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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 | $29,670 | $45,872-35.3% | $77,096-61.5% | $68,486-56.7% |
| Participation rate | 58.1% | 55.9%+2.2pp | 67.9%-9.8pp | 67.9%-9.8pp |
| Annual return | -18.66% | 1.73%-20.4pp | 42.35%-61.0pp | -7.85%-10.8pp |
| Employer contribution / active EE | $1,525 | $1,650-7.6% | $2,814-45.8% | $2,597-41.3% |
| Participant deferral / active EE | $2,323 | $2,963-21.6% | $4,429-47.6% | $4,028-42.3% |
| Admin fee / account holder | $2,951 | $3,041-3.0% | $5,428-45.6% | $5,404-45.4% |