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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 | $30,312 | $45,872-33.9% | $77,081-60.7% | $68,495-55.7% |
| Participation rate | 62.2% | 55.9%+6.2pp | 67.9%-5.8pp | 67.9%-5.7pp |
| Annual return | -15.86% | 1.73%-17.6pp | 42.33%-58.2pp | -7.84%-8.0pp |
| Employer contribution / active EE | $1,601 | $1,650-2.9% | $2,813-43.1% | $2,596-38.3% |
| Participant deferral / active EE | $2,861 | $2,963-3.4% | $4,428-35.4% | $4,028-29.0% |
| Admin fee / account holder | $18,389 | $3,041+504.7% | $5,427+238.9% | $5,403+240.3% |