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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 | $95,433 | $71,878+32.8% | $86,698+10.1% | $68,486+39.3% |
| Participation rate | 54.8% | 72.2%-17.5pp | 76.6%-21.8pp | 67.9%-13.1pp |
| Annual return | -16.09% | 3.53%-19.6pp | 35.95%-52.0pp | -7.85%-8.2pp |
| Employer contribution / active EE | $1,464 | $2,173-32.6% | $2,837-48.4% | $2,597-43.6% |
| Participant deferral / active EE | $3,241 | $3,779-14.2% | $4,656-30.4% | $4,028-19.5% |
| Admin fee / account holder | $13,929 | $6,113+127.9% | $7,493+85.9% | $5,404+157.8% |