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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 | $84,766 | $97,881-13.4% | $80,004+6.0% | $125,389-32.4% |
| Participation rate | 25.0% | 77.9%-52.9pp | 73.0%-48.0pp | 83.2%-58.2pp |
| Annual return | -1.86% | 9.36%-11.2pp | 7.63%-9.5pp | 282.24%-284.1pp |
| Employer contribution / active EE | $3,435 | $3,128+9.8% | $2,473+38.9% | $4,866-29.4% |
| Participant deferral / active EE | $4,840 | $3,744+29.3% | $3,204+51.1% | $5,352-9.6% |
| Admin fee / account holder | $5,794 | $6,278-7.7% | $5,033+15.1% | $9,541-39.3% |