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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 | $107,799 | $59,813+80.2% | $79,580+35.5% | $68,486+57.4% |
| Participation rate | 40.7% | 61.1%-20.3pp | 69.5%-28.7pp | 67.9%-27.2pp |
| Annual return | -17.36% | -12.30%-5.1pp | 0.15%-17.5pp | -7.85%-9.5pp |
| Employer contribution / active EE | $682 | $1,505-54.7% | $2,413-71.7% | $2,597-73.7% |
| Participant deferral / active EE | $3,866 | $3,024+27.8% | $3,985-3.0% | $4,028-4.0% |
| Admin fee / account holder | $1,046 | $4,835-78.4% | $6,835-84.7% | $5,404-80.6% |