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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 | $84,491 | $53,546+57.8% | $69,890+20.9% | $68,490+23.4% |
| Participation rate | 47.9% | 64.5%-16.6pp | 70.5%-22.5pp | 67.9%-20.0pp |
| Annual return | -12.83% | -13.87%+1.0pp | 190.84%-203.7pp | -7.85%-5.0pp |
| Employer contribution / active EE | $564 | $2,019-72.1% | $2,560-78.0% | $2,597-78.3% |
| Participant deferral / active EE | $4,128 | $2,957+39.6% | $3,848+7.3% | $4,028+2.5% |
| Admin fee / account holder | $1,935 | $4,693-58.8% | $6,267-69.1% | $5,403-64.2% |