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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 | $29,902 | $81,870-63.5% | $119,634-75.0% | $68,490-56.3% |
| Participation rate | 53.3% | 71.9%-18.6pp | 79.3%-25.9pp | 67.9%-14.6pp |
| Annual return | -16.21% | -23.82%+7.6pp | -14.98%-1.2pp | -7.85%-8.4pp |
| Employer contribution / active EE | $1,115 | $2,692-58.6% | $4,232-73.7% | $2,597-57.1% |
| Participant deferral / active EE | $2,833 | $4,148-31.7% | $5,601-49.4% | $4,028-29.7% |
| Admin fee / account holder | $489 | $6,583-92.6% | $10,329-95.3% | $5,403-91.0% |