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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 | $130,085 | $71,873+81.0% | $86,698+50.0% | $68,490+89.9% |
| Participation rate | 44.0% | 72.2%-28.2pp | 76.6%-32.6pp | 67.9%-23.9pp |
| Annual return | -16.82% | 3.54%-20.4pp | 35.96%-52.8pp | -7.85%-9.0pp |
| Employer contribution / active EE | $1,113 | $2,173-48.8% | $2,837-60.8% | $2,597-57.1% |
| Participant deferral / active EE | $2,673 | $3,779-29.3% | $4,656-42.6% | $4,028-33.6% |
| Admin fee / account holder | $8,511 | $6,110+39.3% | $7,492+13.6% | $5,403+57.5% |