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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 | $93,813 | $64,719+45.0% | $112,249-16.4% | $68,486+37.0% |
| Participation rate | 34.4% | 67.2%-32.7pp | 75.1%-40.6pp | 67.9%-33.5pp |
| Annual return | -18.35% | -11.40%-7.0pp | 27.48%-45.8pp | -7.85%-10.5pp |
| Employer contribution / active EE | $1,259 | $2,747-54.2% | $3,636-65.4% | $2,597-51.5% |
| Participant deferral / active EE | $3,007 | $3,565-15.7% | $4,729-36.4% | $4,028-25.3% |
| Admin fee / account holder | $22,956 | $5,232+338.7% | $6,412+258.0% | $5,404+324.8% |