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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 | $92,218 | $87,546+5.3% | $75,784+21.7% | $125,389-26.5% |
| Participation rate | 64.7% | 80.2%-15.5pp | 75.8%-11.1pp | 83.2%-18.5pp |
| Annual return | -0.44% | 13.49%-13.9pp | 9.68%-10.1pp | 282.24%-282.7pp |
| Employer contribution / active EE | $1,191 | $3,930-69.7% | $3,323-64.2% | $4,866-75.5% |
| Participant deferral / active EE | $2,278 | $4,230-46.1% | $3,652-37.6% | $5,352-57.4% |
| Admin fee / account holder | $1,596 | $6,503-75.5% | $5,300-69.9% | $9,541-83.3% |