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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 | $106,266 | $64,729+64.2% | $112,263-5.3% | $68,490+55.2% |
| Participation rate | 48.3% | 67.2%-18.9pp | 75.1%-26.8pp | 67.9%-19.6pp |
| Annual return | -14.19% | -11.40%-2.8pp | 27.49%-41.7pp | -7.85%-6.3pp |
| Employer contribution / active EE | $2,018 | $2,746-26.5% | $3,636-44.5% | $2,597-22.3% |
| Participant deferral / active EE | $3,099 | $3,566-13.1% | $4,729-34.5% | $4,028-23.1% |
| Admin fee / account holder | $611 | $5,222-88.3% | $6,410-90.5% | $5,403-88.7% |