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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 | $29,191 | $64,729-54.9% | $112,263-74.0% | $68,490-57.4% |
| Participation rate | 68.5% | 67.2%+1.4pp | 75.1%-6.5pp | 67.9%+0.6pp |
| Annual return | -15.67% | -11.40%-4.3pp | 27.49%-43.2pp | -7.85%-7.8pp |
| Employer contribution / active EE | $1,510 | $2,746-45.0% | $3,636-58.5% | $2,597-41.9% |
| Participant deferral / active EE | $2,398 | $3,566-32.8% | $4,729-49.3% | $4,028-40.5% |
| Admin fee / account holder | $4,892 | $5,222-6.3% | $6,410-23.7% | $5,403-9.4% |