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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 | $24,968 | $28,601-12.7% | $71,778-65.2% | $66,949-62.7% |
| Participation rate | 61.2% | 56.7%+4.5pp | 62.3%-1.2pp | 69.8%-8.7pp |
| Annual return | -17.68% | -10.90%-6.8pp | 9.15%-26.8pp | 1.57%-19.3pp |
| Employer contribution / active EE | $1,785 | $1,104+61.7% | $1,704+4.7% | $2,545-29.9% |
| Participant deferral / active EE | $3,966 | $1,912+107.5% | $2,656+49.3% | $4,239-6.4% |
| Admin fee / account holder | $2,676 | $506+428.5% | $3,974-32.7% | $594+350.8% |