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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 | $82,280 | $77,817+5.7% | $123,553-33.4% | $64,173+28.2% |
| Participation rate | 43.9% | 74.7%-30.8pp | 82.3%-38.4pp | 69.6%-25.7pp |
| Annual return | -4.56% | 12.49%-17.0pp | 119.21%-123.8pp | 7.63%-12.2pp |
| Employer contribution / active EE | $1,858 | $3,014-38.4% | $4,628-59.9% | $2,381-22.0% |
| Participant deferral / active EE | $3,395 | $5,240-35.2% | $6,426-47.2% | $3,470-2.2% |
| Admin fee / account holder | $9,893 | $5,519+79.2% | $9,284+6.6% | $4,887+102.4% |