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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 | $99,799 | $59,819+66.8% | $79,583+25.4% | $68,490+45.7% |
| Participation rate | 68.8% | 61.1%+7.7pp | 69.5%-0.7pp | 67.9%+0.9pp |
| Annual return | -13.99% | -12.30%-1.7pp | 0.16%-14.2pp | -7.85%-6.1pp |
| Employer contribution / active EE | $577 | $1,505-61.7% | $2,414-76.1% | $2,597-77.8% |
| Participant deferral / active EE | $2,085 | $3,025-31.1% | $3,986-47.7% | $4,028-48.2% |
| Admin fee / account holder | $3,008 | $4,835-37.8% | $6,835-56.0% | $5,403-44.3% |