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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 | $91,529 | $62,715+45.9% | $104,299-12.2% | $66,949+36.7% |
| Participation rate | 31.8% | 59.6%-27.8pp | 73.3%-41.5pp | 69.8%-38.0pp |
| Annual return | -16.85% | -14.70%-2.2pp | 24.62%-41.5pp | 1.57%-18.4pp |
| Employer contribution / active EE | $950 | $1,976-51.9% | $3,373-71.8% | $2,545-62.7% |
| Participant deferral / active EE | $2,066 | $2,852-27.5% | $4,626-55.3% | $4,239-51.3% |
| Admin fee / account holder | $9,797 | $657+1391.8% | $7,339+33.5% | $594+1550.5% |