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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 | $24,487 | $82,678-70.4% | $125,391-80.5% | $68,490-64.2% |
| Participation rate | 68.8% | 75.1%-6.2pp | 82.4%-13.6pp | 67.9%+0.9pp |
| Annual return | -17.30% | -5.97%-11.3pp | 572.41%-589.7pp | -7.85%-9.4pp |
| Employer contribution / active EE | $1,426 | $3,382-57.8% | $4,816-70.4% | $2,597-45.1% |
| Participant deferral / active EE | $4,316 | $6,111-29.4% | $7,448-42.1% | $4,028+7.1% |
| Admin fee / account holder | $1,039 | $6,277-83.4% | $10,009-89.6% | $5,403-80.8% |