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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 | $163,034 | $50,947+220.0% | $74,551+118.7% | $64,173+154.1% |
| Participation rate | 23.5% | 61.1%-37.5pp | 69.1%-45.6pp | 69.6%-46.0pp |
| Annual return | -6.59% | -1.85%-4.7pp | 32.53%-39.1pp | 7.63%-14.2pp |
| Employer contribution / active EE | $946 | $1,115-15.2% | $1,961-51.8% | $2,381-60.3% |
| Participant deferral / active EE | $3,253 | $2,302+41.4% | $3,108+4.7% | $3,470-6.2% |
| Admin fee / account holder | $557 | $4,221-86.8% | $5,059-89.0% | $4,887-88.6% |