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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 | $78,824 | $50,958+54.7% | $74,552+5.7% | $64,181+22.8% |
| Participation rate | 40.0% | 61.1%-21.1pp | 69.1%-29.1pp | 69.6%-29.6pp |
| Annual return | -4.44% | -1.86%-2.6pp | 32.53%-37.0pp | 7.63%-12.1pp |
| Employer contribution / active EE | $1,384 | $1,115+24.1% | $1,961-29.4% | $2,381-41.9% |
| Participant deferral / active EE | $2,155 | $2,301-6.3% | $3,108-30.7% | $3,470-37.9% |
| Admin fee / account holder | $19,874 | $4,223+370.6% | $5,060+292.8% | $4,887+306.6% |