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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 | $87,693 | $59,813+46.6% | $79,580+10.2% | $68,486+28.0% |
| Participation rate | 35.6% | 61.1%-25.5pp | 69.5%-33.9pp | 67.9%-32.3pp |
| Annual return | -14.39% | -12.30%-2.1pp | 0.15%-14.5pp | -7.85%-6.5pp |
| Employer contribution / active EE | $1,280 | $1,505-15.0% | $2,413-47.0% | $2,597-50.7% |
| Participant deferral / active EE | $2,579 | $3,024-14.7% | $3,985-35.3% | $4,028-36.0% |
| Admin fee / account holder | $11,572 | $4,835+139.4% | $6,835+69.3% | $5,404+114.1% |