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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 | $32,749 | $64,176-49.0% | $112,263-70.8% | $66,949-51.1% |
| Participation rate | 69.6% | 68.4%+1.2pp | 75.1%-5.4pp | 69.8%-0.2pp |
| Annual return | -17.85% | -13.80%-4.1pp | 27.49%-45.3pp | 1.57%-19.4pp |
| Employer contribution / active EE | $2,922 | $3,007-2.8% | $3,636-19.6% | $2,545+14.8% |
| Participant deferral / active EE | $5,506 | $3,694+49.1% | $4,729+16.4% | $4,239+29.9% |
| Admin fee / account holder | $2,085 | $626+233.2% | $6,410-67.5% | $594+251.2% |