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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 | $20,382 | $158,852-87.2% | $121,220-83.2% | $135,380-84.9% |
| Participation rate | 69.2% | 79.3%-10.1pp | 71.8%-2.5pp | 82.6%-13.4pp |
| Annual return | -7.96% | -0.64%-7.3pp | 16.94%-24.9pp | 519.81%-527.8pp |
| Employer contribution / active EE | $3,045 | $5,666-46.2% | $4,023-24.3% | $4,779-36.3% |
| Participant deferral / active EE | $4,302 | $4,006+7.4% | $3,345+28.6% | $5,609-23.3% |
| Admin fee / account holder | $4,385 | $6,515-32.7% | $5,021-12.7% | $10,828-59.5% |