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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 | $92,086 | $64,719+42.3% | $112,249-18.0% | $68,486+34.5% |
| Participation rate | 52.8% | 67.2%-14.4pp | 75.1%-22.3pp | 67.9%-15.1pp |
| Annual return | -14.36% | -11.40%-3.0pp | 27.48%-41.8pp | -7.85%-6.5pp |
| Employer contribution / active EE | $1,056 | $2,747-61.6% | $3,636-71.0% | $2,597-59.3% |
| Participant deferral / active EE | $2,250 | $3,565-36.9% | $4,729-52.4% | $4,028-44.1% |
| Admin fee / account holder | $12,485 | $5,232+138.6% | $6,412+94.7% | $5,404+131.0% |