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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 | $73,092 | $37,463+95.1% | $77,100-5.2% | $66,949+9.2% |
| Participation rate | 54.6% | 52.9%+1.7pp | 67.9%-13.3pp | 69.8%-15.2pp |
| Annual return | -12.52% | -3.25%-9.3pp | 42.35%-54.9pp | 1.57%-14.1pp |
| Employer contribution / active EE | $2,446 | $1,535+59.4% | $2,815-13.1% | $2,545-3.9% |
| Participant deferral / active EE | $2,903 | $2,621+10.7% | $4,430-34.5% | $4,239-31.5% |
| Admin fee / account holder | $5,476 | $568+864.0% | $5,443+0.6% | $594+822.5% |