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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 | $29,842 | $27,639+8.0% | $61,501-51.5% | $68,490-56.4% |
| Participation rate | 52.3% | 39.5%+12.8pp | 52.6%-0.3pp | 67.9%-15.6pp |
| Annual return | -17.30% | -13.19%-4.1pp | 339.04%-356.3pp | -7.85%-9.4pp |
| Employer contribution / active EE | $737 | $696+5.8% | $1,160-36.5% | $2,597-71.6% |
| Participant deferral / active EE | $2,731 | $1,264+116.1% | $2,125+28.6% | $4,028-32.2% |
| Admin fee / account holder | $4,152 | $2,012+106.3% | $2,132+94.8% | $5,403-23.2% |