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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 | $22,683 | $59,819-62.1% | $79,583-71.5% | $68,490-66.9% |
| Participation rate | 64.6% | 61.1%+3.5pp | 69.5%-4.9pp | 67.9%-3.3pp |
| Annual return | -16.05% | -12.30%-3.8pp | 0.16%-16.2pp | -7.85%-8.2pp |
| Employer contribution / active EE | $452 | $1,505-70.0% | $2,414-81.3% | $2,597-82.6% |
| Participant deferral / active EE | $2,923 | $3,025-3.4% | $3,986-26.7% | $4,028-27.4% |
| Admin fee / account holder | $2,545 | $4,835-47.4% | $6,835-62.8% | $5,403-52.9% |