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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 | $85,857 | $61,660+39.2% | $80,022+7.3% | $64,173+33.8% |
| Participation rate | 56.3% | 71.7%-15.4pp | 75.8%-19.6pp | 69.6%-13.3pp |
| Annual return | -7.29% | -0.33%-7.0pp | 11.22%-18.5pp | 7.63%-14.9pp |
| Employer contribution / active EE | $2,573 | $1,810+42.1% | $2,468+4.2% | $2,381+8.1% |
| Participant deferral / active EE | $4,894 | $2,968+64.9% | $3,686+32.8% | $3,470+41.0% |
| Admin fee / account holder | $12,431 | $5,417+129.5% | $6,521+90.6% | $4,887+154.3% |