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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 | $31,112 | $53,162-41.5% | $91,225-65.9% | $68,486-54.6% |
| Participation rate | 69.7% | 63.2%+6.5pp | 73.2%-3.5pp | 67.9%+1.8pp |
| Annual return | -4.99% | -3.14%-1.9pp | 114.12%-119.1pp | -7.85%+2.9pp |
| Employer contribution / active EE | $1,256 | $1,709-26.5% | $2,851-55.9% | $2,597-51.6% |
| Participant deferral / active EE | $2,382 | $2,974-19.9% | $4,233-43.7% | $4,028-40.8% |
| Admin fee / account holder | $1,466 | $4,493-67.4% | $5,422-73.0% | $5,404-72.9% |