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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 | $81,982 | $71,872+14.1% | $86,691-5.4% | $68,495+19.7% |
| Participation rate | 44.4% | 72.2%-27.8pp | 76.6%-32.1pp | 67.9%-23.4pp |
| Annual return | -11.94% | 3.53%-15.5pp | 35.94%-47.9pp | -7.84%-4.1pp |
| Employer contribution / active EE | $1,182 | $2,173-45.6% | $2,837-58.3% | $2,596-54.5% |
| Participant deferral / active EE | $2,429 | $3,779-35.7% | $4,656-47.8% | $4,028-39.7% |
| Admin fee / account holder | $4,753 | $6,112-22.2% | $7,492-36.6% | $5,403-12.0% |