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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 | $97,436 | $71,873+35.6% | $86,698+12.4% | $68,490+42.3% |
| Participation rate | 53.3% | 72.2%-19.0pp | 76.6%-23.3pp | 67.9%-14.6pp |
| Annual return | -18.07% | 3.54%-21.6pp | 35.96%-54.0pp | -7.85%-10.2pp |
| Employer contribution / active EE | $771 | $2,173-64.5% | $2,837-72.8% | $2,597-70.3% |
| Participant deferral / active EE | $2,565 | $3,779-32.1% | $4,656-44.9% | $4,028-36.3% |
| Admin fee / account holder | $3,565 | $6,110-41.7% | $7,492-52.4% | $5,403-34.0% |