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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 | $102,412 | $62,583+63.6% | $76,767+33.4% | $64,173+59.6% |
| Participation rate | 59.5% | 72.8%-13.3pp | 77.0%-17.4pp | 69.6%-10.0pp |
| Annual return | -6.97% | -1.95%-5.0pp | 2.43%-9.4pp | 7.63%-14.6pp |
| Employer contribution / active EE | $996 | $1,832-45.6% | $2,485-59.9% | $2,381-58.2% |
| Participant deferral / active EE | $2,621 | $3,145-16.7% | $3,852-32.0% | $3,470-24.5% |
| Admin fee / account holder | $3,254 | $4,667-30.3% | $6,675-51.3% | $4,887-33.4% |