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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 | $84,028 | $52,678+59.5% | $75,784+10.9% | $59,633+40.9% |
| Participation rate | 54.5% | 67.2%-12.7pp | 75.8%-21.3pp | 68.7%-14.1pp |
| Annual return | -1.56% | 2.95%-4.5pp | 9.68%-11.2pp | 2041.40%-2043.0pp |
| Employer contribution / active EE | $4,028 | $2,193+83.7% | $3,323+21.2% | $2,203+82.9% |
| Participant deferral / active EE | $0 | $2,591-100.0% | $3,652-100.0% | $3,192-100.0% |
| Admin fee / account holder | $1,034 | $3,610-71.4% | $5,300-80.5% | $4,297-75.9% |