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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 | $92,539 | $77,816+18.9% | $123,552-25.1% | $64,173+44.2% |
| Participation rate | 59.6% | 74.7%-15.1pp | 82.3%-22.7pp | 69.6%-10.0pp |
| Annual return | -7.20% | 12.49%-19.7pp | 119.20%-126.4pp | 7.63%-14.8pp |
| Employer contribution / active EE | $2,125 | $3,014-29.5% | $4,628-54.1% | $2,381-10.7% |
| Participant deferral / active EE | $4,921 | $5,240-6.1% | $6,426-23.4% | $3,470+41.8% |
| Admin fee / account holder | $1,671 | $5,519-69.7% | $9,285-82.0% | $4,887-65.8% |