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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 | $118,653 | $71,878+65.1% | $86,698+36.9% | $68,486+73.3% |
| Participation rate | 45.2% | 72.2%-27.1pp | 76.6%-31.4pp | 67.9%-22.7pp |
| Annual return | -17.28% | 3.53%-20.8pp | 35.95%-53.2pp | -7.85%-9.4pp |
| Employer contribution / active EE | $806 | $2,173-62.9% | $2,837-71.6% | $2,597-68.9% |
| Participant deferral / active EE | $3,855 | $3,779+2.0% | $4,656-17.2% | $4,028-4.3% |
| Admin fee / account holder | $10,472 | $6,113+71.3% | $7,493+39.8% | $5,404+93.8% |