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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 | $92,605 | $95,917-3.5% | $79,583+16.4% | $134,545-31.2% |
| Participation rate | 65.2% | 75.0%-9.8pp | 69.5%-4.3pp | 81.2%-16.0pp |
| Annual return | -16.67% | -2.70%-14.0pp | 0.16%-16.8pp | 418.37%-435.0pp |
| Employer contribution / active EE | $2,690 | $3,129-14.0% | $2,414+11.4% | $4,742-43.3% |
| Participant deferral / active EE | $5,989 | $4,694+27.6% | $3,986+50.3% | $6,401-6.4% |
| Admin fee / account holder | $816 | $9,132-91.1% | $6,835-88.1% | $11,431-92.9% |