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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 | $87,584 | $58,577+49.5% | $83,323+5.1% | $64,181+36.5% |
| Participation rate | 41.5% | 72.0%-30.6pp | 77.8%-36.3pp | 69.6%-28.1pp |
| Annual return | -2.14% | 9.65%-11.8pp | 10.63%-12.8pp | 7.63%-9.8pp |
| Employer contribution / active EE | $716 | $2,098-65.9% | $3,379-78.8% | $2,381-69.9% |
| Participant deferral / active EE | $3,022 | $4,654-35.1% | $5,565-45.7% | $3,470-12.9% |
| Admin fee / account holder | $11,192 | $9,275+20.7% | $7,539+48.5% | $4,887+129.0% |