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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 | $103,413 | $62,586+65.2% | $76,766+34.7% | $64,181+61.1% |
| Participation rate | 44.2% | 72.8%-28.6pp | 77.0%-32.8pp | 69.6%-25.4pp |
| Annual return | -4.94% | -1.95%-3.0pp | 2.43%-7.4pp | 7.63%-12.6pp |
| Employer contribution / active EE | $974 | $1,832-46.8% | $2,485-60.8% | $2,381-59.1% |
| Participant deferral / active EE | $1,835 | $3,145-41.7% | $3,851-52.4% | $3,470-47.1% |
| Admin fee / account holder | $1,338 | $4,667-71.3% | $6,675-80.0% | $4,887-72.6% |