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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 | $38,766 | $43,730-11.4% | $121,220-68.0% | $64,173-39.6% |
| Participation rate | 61.9% | 58.3%+3.6pp | 71.8%-9.9pp | 69.6%-7.7pp |
| Annual return | -5.68% | 68.94%-74.6pp | 16.94%-22.6pp | 7.63%-13.3pp |
| Employer contribution / active EE | $885 | $1,297-31.8% | $4,023-78.0% | $2,381-62.8% |
| Participant deferral / active EE | $2,705 | $2,281+18.6% | $3,345-19.1% | $3,470-22.1% |
| Admin fee / account holder | $5,250 | $3,502+49.9% | $5,021+4.6% | $4,887+7.4% |