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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 | $88,108 | $71,873+22.6% | $86,698+1.6% | $68,490+28.6% |
| Participation rate | 44.4% | 72.2%-27.8pp | 76.6%-32.1pp | 67.9%-23.5pp |
| Annual return | -10.80% | 3.54%-14.3pp | 35.96%-46.8pp | -7.85%-2.9pp |
| Employer contribution / active EE | $628 | $2,173-71.1% | $2,837-77.9% | $2,597-75.8% |
| Participant deferral / active EE | $2,271 | $3,779-39.9% | $4,656-51.2% | $4,028-43.6% |
| Admin fee / account holder | $26,249 | $6,110+329.6% | $7,492+250.4% | $5,403+385.8% |