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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 | $86,622 | $50,958+70.0% | $74,552+16.2% | $64,181+35.0% |
| Participation rate | 41.9% | 61.1%-19.1pp | 69.1%-27.2pp | 69.6%-27.6pp |
| Annual return | -5.42% | -1.86%-3.6pp | 32.53%-38.0pp | 7.63%-13.1pp |
| Employer contribution / active EE | $964 | $1,115-13.6% | $1,961-50.8% | $2,381-59.5% |
| Participant deferral / active EE | $3,139 | $2,301+36.4% | $3,108+1.0% | $3,470-9.5% |
| Admin fee / account holder | $1,130 | $4,223-73.2% | $5,060-77.7% | $4,887-76.9% |