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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 | $126,629 | $71,873+76.2% | $86,698+46.1% | $68,490+84.9% |
| Participation rate | 55.2% | 72.2%-17.1pp | 76.6%-21.4pp | 67.9%-12.7pp |
| Annual return | -13.46% | 3.54%-17.0pp | 35.96%-49.4pp | -7.85%-5.6pp |
| Employer contribution / active EE | $914 | $2,173-58.0% | $2,837-67.8% | $2,597-64.8% |
| Participant deferral / active EE | $2,869 | $3,779-24.1% | $4,656-38.4% | $4,028-28.8% |
| Admin fee / account holder | $1,507 | $6,110-75.3% | $7,492-79.9% | $5,403-72.1% |