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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 | $35,104 | $59,813-41.3% | $79,580-55.9% | $68,486-48.7% |
| Participation rate | 57.8% | 61.1%-3.3pp | 69.5%-11.7pp | 67.9%-10.1pp |
| Annual return | -17.10% | -12.30%-4.8pp | 0.15%-17.3pp | -7.85%-9.2pp |
| Employer contribution / active EE | $1,310 | $1,505-13.0% | $2,413-45.7% | $2,597-49.5% |
| Participant deferral / active EE | $1,991 | $3,024-34.2% | $3,985-50.0% | $4,028-50.6% |
| Admin fee / account holder | $933 | $4,835-80.7% | $6,835-86.3% | $5,404-82.7% |