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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 | $107,640 | $53,596+100.8% | $90,657+18.7% | $64,173+67.7% |
| Participation rate | 18.6% | 64.5%-45.9pp | 74.0%-55.4pp | 69.6%-51.0pp |
| Annual return | -7.26% | 4.41%-11.7pp | 1.89%-9.1pp | 7.63%-14.9pp |
| Employer contribution / active EE | $469 | $1,503-68.8% | $2,532-81.5% | $2,381-80.3% |
| Participant deferral / active EE | $1,390 | $2,459-43.5% | $3,424-59.4% | $3,470-59.9% |
| Admin fee / account holder | $893 | $3,868-76.9% | $4,994-82.1% | $4,887-81.7% |