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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 | $96,333 | $49,280+95.5% | $67,313+43.1% | $64,173+50.1% |
| Participation rate | 57.9% | 60.8%-2.9pp | 69.1%-11.2pp | 69.6%-11.7pp |
| Annual return | -5.89% | -1.39%-4.5pp | -4.08%-1.8pp | 7.63%-13.5pp |
| Employer contribution / active EE | $659 | $1,668-60.5% | $2,566-74.3% | $2,381-72.3% |
| Participant deferral / active EE | $3,095 | $2,484+24.6% | $3,568-13.3% | $3,470-10.8% |
| Admin fee / account holder | $5,316 | $3,863+37.6% | $4,507+18.0% | $4,887+8.8% |