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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 | $100,601 | $48,267+108.4% | $68,794+46.2% | $68,495+46.9% |
| Participation rate | 51.9% | 60.7%-8.8pp | 69.0%-17.2pp | 67.9%-16.0pp |
| Annual return | -10.42% | -12.70%+2.3pp | -6.37%-4.0pp | -7.84%-2.6pp |
| Employer contribution / active EE | $2,846 | $1,829+55.6% | $2,656+7.2% | $2,596+9.6% |
| Participant deferral / active EE | $6,264 | $2,867+118.5% | $3,941+58.9% | $4,028+55.5% |
| Admin fee / account holder | $998 | $4,362-77.1% | $4,934-79.8% | $5,403-81.5% |