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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 | $34,438 | $73,863-53.4% | $143,797-76.1% | $68,490-49.7% |
| Participation rate | 69.6% | 66.7%+3.0pp | 80.3%-10.7pp | 67.9%+1.7pp |
| Annual return | -13.11% | 0.91%-14.0pp | -0.04%-13.1pp | -7.85%-5.3pp |
| Employer contribution / active EE | $776 | $3,185-75.6% | $4,952-84.3% | $2,597-70.1% |
| Participant deferral / active EE | $2,703 | $3,385-20.1% | $5,638-52.1% | $4,028-32.9% |
| Admin fee / account holder | $2,494 | $5,756-56.7% | $14,679-83.0% | $5,403-53.8% |