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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 | $90,401 | $71,872+25.8% | $86,691+4.3% | $68,495+32.0% |
| Participation rate | 48.6% | 72.2%-23.6pp | 76.6%-28.0pp | 67.9%-19.3pp |
| Annual return | -17.50% | 3.53%-21.0pp | 35.94%-53.4pp | -7.84%-9.7pp |
| Employer contribution / active EE | $1,509 | $2,173-30.6% | $2,837-46.8% | $2,596-41.9% |
| Participant deferral / active EE | $3,153 | $3,779-16.6% | $4,656-32.3% | $4,028-21.7% |
| Admin fee / account holder | $47,008 | $6,112+669.1% | $7,492+527.5% | $5,403+770.0% |