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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 | $34,686 | $73,863-53.0% | $143,797-75.9% | $68,490-49.4% |
| Participation rate | 68.4% | 66.7%+1.8pp | 80.3%-11.9pp | 67.9%+0.5pp |
| Annual return | -16.81% | 0.91%-17.7pp | -0.04%-16.8pp | -7.85%-9.0pp |
| Employer contribution / active EE | $2,581 | $3,185-19.0% | $4,952-47.9% | $2,597-0.6% |
| Participant deferral / active EE | $4,156 | $3,385+22.8% | $5,638-26.3% | $4,028+3.2% |
| Admin fee / account holder | $8,489 | $5,756+47.5% | $14,679-42.2% | $5,403+57.1% |