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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 | $116,914 | $45,872+154.9% | $77,100+51.6% | $68,490+70.7% |
| Participation rate | 35.5% | 55.9%-20.4pp | 67.9%-32.4pp | 67.9%-32.4pp |
| Annual return | -18.97% | 1.73%-20.7pp | 42.35%-61.3pp | -7.85%-11.1pp |
| Employer contribution / active EE | $312 | $1,650-81.1% | $2,815-88.9% | $2,597-88.0% |
| Participant deferral / active EE | $1,438 | $2,963-51.5% | $4,430-67.5% | $4,028-64.3% |
| Admin fee / account holder | $2,312 | $3,041-24.0% | $5,443-57.5% | $5,403-57.2% |