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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 | $85,729 | $64,719+32.5% | $112,249-23.6% | $68,486+25.2% |
| Participation rate | 47.3% | 67.2%-19.9pp | 75.1%-27.8pp | 67.9%-20.6pp |
| Annual return | -15.36% | -11.40%-4.0pp | 27.48%-42.8pp | -7.85%-7.5pp |
| Employer contribution / active EE | $1,157 | $2,747-57.9% | $3,636-68.2% | $2,597-55.4% |
| Participant deferral / active EE | $2,602 | $3,565-27.0% | $4,729-45.0% | $4,028-35.4% |
| Admin fee / account holder | $2,164 | $5,232-58.6% | $6,412-66.3% | $5,404-60.0% |