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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $35,403 | $45,566-22.3% | $64,105-44.8% | $59,633-40.6% |
| Participation rate | 61.6% | 60.2%+1.5pp | 68.2%-6.5pp | 68.7%-7.0pp |
| Annual return | -2.10% | 4.95%-7.0pp | 791.24%-793.3pp | 2041.45%-2043.5pp |
| Employer contribution / active EE | $191 | $934-79.5% | $1,820-89.5% | $2,203-91.3% |
| Participant deferral / active EE | $1,847 | $2,057-10.2% | $2,822-34.6% | $3,192-42.1% |
| Admin fee / account holder | $3,484 | $3,268+6.6% | $4,499-22.6% | $4,297-18.9% |