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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 | $88,513 | $71,878+23.1% | $86,698+2.1% | $68,486+29.2% |
| Participation rate | 27.0% | 72.2%-45.2pp | 76.6%-49.6pp | 67.9%-40.9pp |
| Annual return | -16.95% | 3.53%-20.5pp | 35.95%-52.9pp | -7.85%-9.1pp |
| Employer contribution / active EE | $857 | $2,173-60.6% | $2,837-69.8% | $2,597-67.0% |
| Participant deferral / active EE | $2,667 | $3,779-29.4% | $4,656-42.7% | $4,028-33.8% |
| Admin fee / account holder | $4,436 | $6,113-27.4% | $7,493-40.8% | $5,404-17.9% |