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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 | $95,966 | $64,716+48.3% | $112,258-14.5% | $68,495+40.1% |
| Participation rate | 44.7% | 67.2%-22.4pp | 75.1%-30.3pp | 67.9%-23.2pp |
| Annual return | -16.93% | -11.40%-5.5pp | 27.47%-44.4pp | -7.84%-9.1pp |
| Employer contribution / active EE | $1,864 | $2,746-32.1% | $3,636-48.7% | $2,596-28.2% |
| Participant deferral / active EE | $4,253 | $3,565+19.3% | $4,728-10.1% | $4,028+5.6% |
| Admin fee / account holder | $966 | $5,232-81.5% | $6,411-84.9% | $5,403-82.1% |