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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 | $94,336 | $77,816+21.2% | $123,552-23.6% | $64,173+47.0% |
| Participation rate | 56.9% | 74.7%-17.8pp | 82.3%-25.4pp | 69.6%-12.7pp |
| Annual return | -5.90% | 12.49%-18.4pp | 119.20%-125.1pp | 7.63%-13.5pp |
| Employer contribution / active EE | $895 | $3,014-70.3% | $4,628-80.7% | $2,381-62.4% |
| Participant deferral / active EE | $5,079 | $5,240-3.1% | $6,426-21.0% | $3,470+46.4% |
| Admin fee / account holder | $14,179 | $5,519+156.9% | $9,285+52.7% | $4,887+190.1% |