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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 | $97,130 | $62,583+55.2% | $76,767+26.5% | $64,173+51.4% |
| Participation rate | 53.1% | 72.8%-19.7pp | 77.0%-23.9pp | 69.6%-16.5pp |
| Annual return | -5.91% | -1.95%-4.0pp | 2.43%-8.3pp | 7.63%-13.5pp |
| Employer contribution / active EE | $907 | $1,832-50.5% | $2,485-63.5% | $2,381-61.9% |
| Participant deferral / active EE | $2,897 | $3,145-7.9% | $3,852-24.8% | $3,470-16.5% |
| Admin fee / account holder | $2,386 | $4,667-48.9% | $6,675-64.3% | $4,887-51.2% |