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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 | $92,518 | $49,280+87.7% | $67,313+37.4% | $64,173+44.2% |
| Participation rate | 35.1% | 60.8%-25.7pp | 69.1%-34.0pp | 69.6%-34.5pp |
| Annual return | -4.73% | -1.39%-3.3pp | -4.08%-0.6pp | 7.63%-12.4pp |
| Employer contribution / active EE | $852 | $1,668-48.9% | $2,566-66.8% | $2,381-64.2% |
| Participant deferral / active EE | $1,905 | $2,484-23.3% | $3,568-46.6% | $3,470-45.1% |
| Admin fee / account holder | $5,927 | $3,863+53.5% | $4,507+31.5% | $4,887+21.3% |