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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 | $102,839 | $67,411+52.6% | $91,004+13.0% | $70,126+46.6% |
| Participation rate | 48.4% | 71.4%-23.0pp | 75.6%-27.2pp | 69.5%-21.2pp |
| Annual return | 23.62% | -40.16%+63.8pp | 4.60%+19.0pp | 73.15%-49.5pp |
| Employer contribution / active EE | $1,316 | $1,786-26.3% | $2,456-46.4% | $2,343-43.8% |
| Participant deferral / active EE | $2,559 | $2,823-9.4% | $3,548-27.9% | $3,332-23.2% |
| Admin fee / account holder | $4,210 | $4,236-0.6% | $5,417-22.3% | $4,645-9.4% |