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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 | $80,813 | $49,177+64.3% | $79,466+1.7% | $64,173+25.9% |
| Participation rate | 63.0% | 65.0%-2.0pp | 73.3%-10.3pp | 69.6%-6.5pp |
| Annual return | -4.82% | -1.16%-3.7pp | 718.28%-723.1pp | 7.63%-12.5pp |
| Employer contribution / active EE | $516 | $2,076-75.2% | $2,800-81.6% | $2,381-78.3% |
| Participant deferral / active EE | $2,845 | $2,821+0.8% | $3,704-23.2% | $3,470-18.0% |
| Admin fee / account holder | $4,966 | $3,839+29.4% | $5,104-2.7% | $4,887+1.6% |