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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 | $71,363 | $45,872+55.6% | $77,100-7.4% | $68,490+4.2% |
| Participation rate | 56.3% | 55.9%+0.3pp | 67.9%-11.7pp | 67.9%-11.6pp |
| Annual return | -17.39% | 1.73%-19.1pp | 42.35%-59.7pp | -7.85%-9.5pp |
| Employer contribution / active EE | $464 | $1,650-71.9% | $2,815-83.5% | $2,597-82.1% |
| Participant deferral / active EE | $4,541 | $2,963+53.3% | $4,430+2.5% | $4,028+12.7% |
| Admin fee / account holder | $11,212 | $3,041+268.7% | $5,443+106.0% | $5,403+107.5% |