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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 | $90,460 | $59,813+51.2% | $79,580+13.7% | $68,486+32.1% |
| Participation rate | 43.9% | 61.1%-17.2pp | 69.5%-25.6pp | 67.9%-24.0pp |
| Annual return | -12.64% | -12.30%-0.3pp | 0.15%-12.8pp | -7.85%-4.8pp |
| Employer contribution / active EE | $1,118 | $1,505-25.7% | $2,413-53.7% | $2,597-56.9% |
| Participant deferral / active EE | $2,497 | $3,024-17.5% | $3,985-37.4% | $4,028-38.0% |
| Admin fee / account holder | $7,879 | $4,835+63.0% | $6,835+15.3% | $5,404+45.8% |