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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 | $82,212 | $97,881-16.0% | $80,004+2.8% | $125,389-34.4% |
| Participation rate | 55.6% | 77.9%-22.3pp | 73.0%-17.5pp | 83.2%-27.6pp |
| Annual return | -3.14% | 9.36%-12.5pp | 7.63%-10.8pp | 282.24%-285.4pp |
| Employer contribution / active EE | $1,044 | $3,128-66.6% | $2,473-57.8% | $4,866-78.5% |
| Participant deferral / active EE | $2,160 | $3,744-42.3% | $3,204-32.6% | $5,352-59.6% |
| Admin fee / account holder | $2,875 | $6,278-54.2% | $5,033-42.9% | $9,541-69.9% |