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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 | $104,928 | $81,870+28.2% | $119,634-12.3% | $68,490+53.2% |
| Participation rate | 42.6% | 71.9%-29.3pp | 79.3%-36.7pp | 67.9%-25.3pp |
| Annual return | 0.62% | -23.82%+24.4pp | -14.98%+15.6pp | -7.85%+8.5pp |
| Employer contribution / active EE | $1,328 | $2,692-50.7% | $4,232-68.6% | $2,597-48.9% |
| Participant deferral / active EE | $2,161 | $4,148-47.9% | $5,601-61.4% | $4,028-46.3% |
| Admin fee / account holder | $1,606 | $6,583-75.6% | $10,329-84.5% | $5,403-70.3% |