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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 | $32,437 | $27,639+17.4% | $61,501-47.3% | $68,490-52.6% |
| Participation rate | 23.5% | 39.5%-16.0pp | 52.6%-29.0pp | 67.9%-44.4pp |
| Annual return | -14.89% | -13.19%-1.7pp | 339.04%-353.9pp | -7.85%-7.0pp |
| Employer contribution / active EE | $623 | $696-10.5% | $1,160-46.3% | $2,597-76.0% |
| Participant deferral / active EE | $1,333 | $1,264+5.5% | $2,125-37.3% | $4,028-66.9% |
| Admin fee / account holder | $2,361 | $2,012+17.3% | $2,132+10.7% | $5,403-56.3% |