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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 | $83,613 | $53,546+56.2% | $69,890+19.6% | $68,490+22.1% |
| Participation rate | 57.9% | 64.5%-6.6pp | 70.5%-12.6pp | 67.9%-10.0pp |
| Annual return | -18.20% | -13.87%-4.3pp | 190.84%-209.0pp | -7.85%-10.4pp |
| Employer contribution / active EE | $1,525 | $2,019-24.5% | $2,560-40.4% | $2,597-41.3% |
| Participant deferral / active EE | $3,832 | $2,957+29.6% | $3,848-0.4% | $4,028-4.9% |
| Admin fee / account holder | $450 | $4,693-90.4% | $6,267-92.8% | $5,403-91.7% |