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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 | $25,756 | $59,819-56.9% | $79,583-67.6% | $68,490-62.4% |
| Participation rate | 67.6% | 61.1%+6.5pp | 69.5%-1.9pp | 67.9%-0.3pp |
| Annual return | -18.65% | -12.30%-6.3pp | 0.16%-18.8pp | -7.85%-10.8pp |
| Employer contribution / active EE | $2,216 | $1,505+47.2% | $2,414-8.2% | $2,597-14.7% |
| Participant deferral / active EE | $5,068 | $3,025+67.6% | $3,986+27.2% | $4,028+25.8% |
| Admin fee / account holder | $769 | $4,835-84.1% | $6,835-88.7% | $5,403-85.8% |