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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 | $25,988 | $33,067-21.4% | $76,518-66.0% | $56,287-53.8% |
| Participation rate | 56.7% | 55.4%+1.3pp | 68.0%-11.3pp | 69.9%-13.2pp |
| Annual return | -5.87% | 2.72%-8.6pp | -0.27%-5.6pp | -9.96%+4.1pp |
| Employer contribution / active EE | $1,137 | $1,200-5.3% | $2,647-57.0% | $2,111-46.1% |
| Participant deferral / active EE | $2,204 | $2,240-1.6% | $3,836-42.5% | $3,350-34.2% |
| Admin fee / account holder | $610 | $537+13.7% | $4,849-87.4% | $521+17.1% |