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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 | $82,738 | $46,689+77.2% | $117,498-29.6% | $68,495+20.8% |
| Participation rate | 55.3% | 56.8%-1.5pp | 70.6%-15.3pp | 67.9%-12.6pp |
| Annual return | -18.16% | -14.52%-3.6pp | 29.75%-47.9pp | -7.84%-10.3pp |
| Employer contribution / active EE | $1,457 | $1,505-3.2% | $4,178-65.1% | $2,596-43.9% |
| Participant deferral / active EE | $2,590 | $2,637-1.8% | $4,071-36.4% | $4,028-35.7% |
| Admin fee / account holder | $874 | $4,021-78.3% | $5,646-84.5% | $5,403-83.8% |