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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 | $26,487 | $46,697-43.3% | $117,533-77.5% | $68,486-61.3% |
| Participation rate | 62.2% | 56.8%+5.4pp | 70.6%-8.4pp | 67.9%-5.7pp |
| Annual return | -14.85% | -14.52%-0.3pp | 29.77%-44.6pp | -7.85%-7.0pp |
| Employer contribution / active EE | $0 | $1,506-100.0% | $4,179-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $4,660 | $2,637+76.7% | $4,072+14.4% | $4,028+15.7% |
| Admin fee / account holder | $1,025 | $4,023-74.5% | $5,647-81.8% | $5,404-81.0% |