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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 | $94,194 | $73,848+27.6% | $143,799-34.5% | $68,486+37.5% |
| Participation rate | 40.0% | 66.7%-26.7pp | 80.3%-40.3pp | 67.9%-27.9pp |
| Annual return | -17.70% | 0.91%-18.6pp | -0.04%-17.7pp | -7.85%-9.8pp |
| Employer contribution / active EE | $4,077 | $3,184+28.0% | $4,952-17.7% | $2,597+57.0% |
| Participant deferral / active EE | $2,950 | $3,385-12.8% | $5,638-47.7% | $4,028-26.8% |
| Admin fee / account holder | $346 | $5,755-94.0% | $14,677-97.6% | $5,404-93.6% |