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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 | $88,181 | $64,729+36.2% | $112,263-21.5% | $68,490+28.7% |
| Participation rate | 58.8% | 67.2%-8.3pp | 75.1%-16.2pp | 67.9%-9.1pp |
| Annual return | -18.86% | -11.40%-7.5pp | 27.49%-46.4pp | -7.85%-11.0pp |
| Employer contribution / active EE | $1,748 | $2,746-36.3% | $3,636-51.9% | $2,597-32.7% |
| Participant deferral / active EE | $2,681 | $3,566-24.8% | $4,729-43.3% | $4,028-33.4% |
| Admin fee / account holder | $1,034 | $5,222-80.2% | $6,410-83.9% | $5,403-80.9% |