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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 | $77,950 | $43,730+78.3% | $121,220-35.7% | $64,173+21.5% |
| Participation rate | 43.9% | 58.3%-14.4pp | 71.8%-27.9pp | 69.6%-25.7pp |
| Annual return | -5.28% | 68.94%-74.2pp | 16.94%-22.2pp | 7.63%-12.9pp |
| Employer contribution / active EE | $2,148 | $1,297+65.6% | $4,023-46.6% | $2,381-9.8% |
| Participant deferral / active EE | $3,215 | $2,281+41.0% | $3,345-3.9% | $3,470-7.3% |
| Admin fee / account holder | $2,561 | $3,502-26.9% | $5,021-49.0% | $4,887-47.6% |