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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 | $125,480 | $77,816+61.3% | $123,552+1.6% | $64,173+95.5% |
| Participation rate | 48.3% | 74.7%-26.4pp | 82.3%-34.0pp | 69.6%-21.3pp |
| Annual return | -7.80% | 12.49%-20.3pp | 119.20%-127.0pp | 7.63%-15.4pp |
| Employer contribution / active EE | $677 | $3,014-77.6% | $4,628-85.4% | $2,381-71.6% |
| Participant deferral / active EE | $2,911 | $5,240-44.4% | $6,426-54.7% | $3,470-16.1% |
| Admin fee / account holder | $529 | $5,519-90.4% | $9,285-94.3% | $4,887-89.2% |