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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 | $94,266 | $25,979+262.8% | $71,778+31.3% | $68,490+37.6% |
| Participation rate | 51.1% | 54.5%-3.4pp | 62.3%-11.2pp | 67.9%-16.8pp |
| Annual return | -16.15% | -15.10%-1.1pp | 9.15%-25.3pp | -7.85%-8.3pp |
| Employer contribution / active EE | $489 | $900-45.7% | $1,704-71.3% | $2,597-81.2% |
| Participant deferral / active EE | $2,071 | $1,522+36.0% | $2,656-22.1% | $4,028-48.6% |
| Admin fee / account holder | $5,429 | $2,022+168.5% | $3,974+36.6% | $5,403+0.5% |