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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 | $78,704 | $45,872+71.6% | $77,100+2.1% | $68,490+14.9% |
| Participation rate | 20.3% | 55.9%-35.7pp | 67.9%-47.7pp | 67.9%-47.6pp |
| Annual return | -18.35% | 1.73%-20.1pp | 42.35%-60.7pp | -7.85%-10.5pp |
| Employer contribution / active EE | $644 | $1,650-60.9% | $2,815-77.1% | $2,597-75.2% |
| Participant deferral / active EE | $1,512 | $2,963-49.0% | $4,430-65.9% | $4,028-62.5% |
| Admin fee / account holder | $1,183 | $3,041-61.1% | $5,443-78.3% | $5,403-78.1% |