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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 | $27,453 | $42,548-35.5% | $74,551-63.2% | $56,289-51.2% |
| Participation rate | 67.2% | 60.5%+6.8pp | 69.1%-1.9pp | 69.9%-2.6pp |
| Annual return | -1.69% | 12.40%-14.1pp | 32.53%-34.2pp | -9.96%+8.3pp |
| Employer contribution / active EE | $373 | $855-56.3% | $1,961-81.0% | $2,111-82.3% |
| Participant deferral / active EE | $1,666 | $2,277-26.8% | $3,108-46.4% | $3,350-50.3% |
| Admin fee / account holder | $3,008 | $467+543.8% | $5,059-40.6% | $521+477.3% |