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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 | $98,798 | $64,729+52.6% | $112,263-12.0% | $68,490+44.3% |
| Participation rate | 31.9% | 67.2%-35.2pp | 75.1%-43.1pp | 67.9%-36.0pp |
| Annual return | 2.73% | -11.40%+14.1pp | 27.49%-24.8pp | -7.85%+10.6pp |
| Employer contribution / active EE | $1,064 | $2,746-61.3% | $3,636-70.7% | $2,597-59.0% |
| Participant deferral / active EE | $2,214 | $3,566-37.9% | $4,729-53.2% | $4,028-45.0% |
| Admin fee / account holder | $388 | $5,222-92.6% | $6,410-94.0% | $5,403-92.8% |