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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 | $87,978 | $43,730+101.2% | $121,220-27.4% | $64,173+37.1% |
| Participation rate | 60.0% | 58.3%+1.7pp | 71.8%-11.8pp | 69.6%-9.6pp |
| Annual return | -7.05% | 68.94%-76.0pp | 16.94%-24.0pp | 7.63%-14.7pp |
| Employer contribution / active EE | $435 | $1,297-66.5% | $4,023-89.2% | $2,381-81.7% |
| Participant deferral / active EE | $1,897 | $2,281-16.8% | $3,345-43.3% | $3,470-45.3% |
| Admin fee / account holder | $2,971 | $3,502-15.2% | $5,021-40.8% | $4,887-39.2% |