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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 | $106,510 | $87,546+21.7% | $75,784+40.5% | $125,389-15.1% |
| Participation rate | 46.7% | 80.2%-33.5pp | 75.8%-29.2pp | 83.2%-36.5pp |
| Annual return | -1.56% | 13.49%-15.0pp | 9.68%-11.2pp | 282.24%-283.8pp |
| Employer contribution / active EE | $1,490 | $3,930-62.1% | $3,323-55.2% | $4,866-69.4% |
| Participant deferral / active EE | $2,060 | $4,230-51.3% | $3,652-43.6% | $5,352-61.5% |
| Admin fee / account holder | $2,928 | $6,503-55.0% | $5,300-44.7% | $9,541-69.3% |