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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 | $88,019 | $59,813+47.2% | $79,580+10.6% | $68,486+28.5% |
| Participation rate | 61.3% | 61.1%+0.2pp | 69.5%-8.2pp | 67.9%-6.6pp |
| Annual return | -14.84% | -12.30%-2.5pp | 0.15%-15.0pp | -7.85%-7.0pp |
| Employer contribution / active EE | $1,120 | $1,505-25.6% | $2,413-53.6% | $2,597-56.9% |
| Participant deferral / active EE | $3,129 | $3,024+3.5% | $3,985-21.5% | $4,028-22.3% |
| Admin fee / account holder | $35,572 | $4,835+635.8% | $6,835+420.4% | $5,404+558.3% |