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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 | $35,245 | $71,873-51.0% | $86,698-59.3% | $68,490-48.5% |
| Participation rate | 69.1% | 72.2%-3.1pp | 76.6%-7.5pp | 67.9%+1.2pp |
| Annual return | -17.78% | 3.54%-21.3pp | 35.96%-53.7pp | -7.85%-9.9pp |
| Employer contribution / active EE | $1,807 | $2,173-16.9% | $2,837-36.3% | $2,597-30.4% |
| Participant deferral / active EE | $3,949 | $3,779+4.5% | $4,656-15.2% | $4,028-2.0% |
| Admin fee / account holder | $1,739 | $6,110-71.5% | $7,492-76.8% | $5,403-67.8% |