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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 | $22,769 | $43,730-47.9% | $121,220-81.2% | $64,173-64.5% |
| Participation rate | 62.9% | 58.3%+4.6pp | 71.8%-8.9pp | 69.6%-6.7pp |
| Annual return | -5.76% | 68.94%-74.7pp | 16.94%-22.7pp | 7.63%-13.4pp |
| Employer contribution / active EE | $1,075 | $1,297-17.1% | $4,023-73.3% | $2,381-54.8% |
| Participant deferral / active EE | $2,028 | $2,281-11.1% | $3,345-39.4% | $3,470-41.5% |
| Admin fee / account holder | $805 | $3,502-77.0% | $5,021-84.0% | $4,887-83.5% |