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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 | $97,241 | $46,697+108.2% | $117,529-17.3% | $68,490+42.0% |
| Participation rate | 55.1% | 56.8%-1.7pp | 70.6%-15.5pp | 67.9%-12.8pp |
| Annual return | -16.92% | -14.52%-2.4pp | 29.77%-46.7pp | -7.85%-9.1pp |
| Employer contribution / active EE | $1,148 | $1,506-23.7% | $4,179-72.5% | $2,597-55.8% |
| Participant deferral / active EE | $4,355 | $2,637+65.1% | $4,072+6.9% | $4,028+8.1% |
| Admin fee / account holder | $17,700 | $4,023+340.0% | $5,645+213.5% | $5,403+227.6% |