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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 | $128,305 | $73,848+73.7% | $143,799-10.8% | $68,486+87.3% |
| Participation rate | 46.0% | 66.7%-20.6pp | 80.3%-34.3pp | 67.9%-21.9pp |
| Annual return | -17.66% | 0.91%-18.6pp | -0.04%-17.6pp | -7.85%-9.8pp |
| Employer contribution / active EE | $1,832 | $3,184-42.5% | $4,952-63.0% | $2,597-29.5% |
| Participant deferral / active EE | $4,613 | $3,385+36.3% | $5,638-18.2% | $4,028+14.5% |
| Admin fee / account holder | $3,589 | $5,755-37.6% | $14,677-75.6% | $5,404-33.6% |