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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 | $133,713 | $62,589+113.6% | $76,768+74.2% | $64,173+108.4% |
| Participation rate | 54.1% | 72.8%-18.8pp | 77.0%-22.9pp | 69.6%-15.5pp |
| Annual return | -4.22% | -1.95%-2.3pp | 2.43%-6.6pp | 7.63%-11.9pp |
| Employer contribution / active EE | $854 | $1,832-53.4% | $2,485-65.6% | $2,381-64.1% |
| Participant deferral / active EE | $2,829 | $3,145-10.0% | $3,852-26.5% | $3,470-18.5% |
| Admin fee / account holder | $50,880 | $4,667+990.2% | $6,675+662.2% | $4,887+941.1% |