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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 | $93,286 | $64,729+44.1% | $112,263-16.9% | $68,490+36.2% |
| Participation rate | 64.5% | 67.2%-2.6pp | 75.1%-10.5pp | 67.9%-3.4pp |
| Annual return | -16.46% | -11.40%-5.1pp | 27.49%-44.0pp | -7.85%-8.6pp |
| Employer contribution / active EE | $1,988 | $2,746-27.6% | $3,636-45.3% | $2,597-23.4% |
| Participant deferral / active EE | $3,181 | $3,566-10.8% | $4,729-32.7% | $4,028-21.0% |
| Admin fee / account holder | $6,273 | $5,222+20.1% | $6,410-2.1% | $5,403+16.1% |