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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 | $98,501 | $73,019+34.9% | $90,766+8.5% | $68,490+43.8% |
| Participation rate | 53.8% | 70.8%-17.0pp | 75.7%-21.8pp | 67.9%-14.1pp |
| Annual return | -18.24% | -13.81%-4.4pp | -12.16%-6.1pp | -7.85%-10.4pp |
| Employer contribution / active EE | $1,378 | $2,193-37.2% | $2,922-52.8% | $2,597-46.9% |
| Participant deferral / active EE | $6,285 | $3,626+73.3% | $4,565+37.7% | $4,028+56.1% |
| Admin fee / account holder | $3,225 | $5,897-45.3% | $8,446-61.8% | $5,403-40.3% |