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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 | $84,490 | $59,813+41.3% | $79,580+6.2% | $68,486+23.4% |
| Participation rate | 49.0% | 61.1%-12.0pp | 69.5%-20.5pp | 67.9%-18.9pp |
| Annual return | -17.07% | -12.30%-4.8pp | 0.15%-17.2pp | -7.85%-9.2pp |
| Employer contribution / active EE | $1,070 | $1,505-28.9% | $2,413-55.7% | $2,597-58.8% |
| Participant deferral / active EE | $2,120 | $3,024-29.9% | $3,985-46.8% | $4,028-47.4% |
| Admin fee / account holder | $7,937 | $4,835+64.2% | $6,835+16.1% | $5,404+46.9% |