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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 | $26,852 | $45,872-41.5% | $77,100-65.2% | $68,490-60.8% |
| Participation rate | 60.0% | 55.9%+4.1pp | 67.9%-7.9pp | 67.9%-7.9pp |
| Annual return | -0.09% | 1.73%-1.8pp | 42.35%-42.4pp | -7.85%+7.8pp |
| Employer contribution / active EE | $3,396 | $1,650+105.9% | $2,815+20.6% | $2,597+30.8% |
| Participant deferral / active EE | $2,183 | $2,963-26.3% | $4,430-50.7% | $4,028-45.8% |
| Admin fee / account holder | $1,705 | $3,041-43.9% | $5,443-68.7% | $5,403-68.4% |