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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 | $86,444 | $72,404+19.4% | $110,243-21.6% | $64,173+34.7% |
| Participation rate | 55.3% | 73.3%-18.0pp | 79.8%-24.5pp | 69.6%-14.3pp |
| Annual return | -6.02% | -6.29%+0.3pp | 314.76%-320.8pp | 7.63%-13.7pp |
| Employer contribution / active EE | $573 | $2,282-74.9% | $3,827-85.0% | $2,381-75.9% |
| Participant deferral / active EE | $3,498 | $3,469+0.8% | $4,672-25.1% | $3,470+0.8% |
| Admin fee / account holder | $1,951 | $5,664-65.6% | $8,548-77.2% | $4,887-60.1% |