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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 | $78,506 | $59,819+31.2% | $79,583-1.4% | $68,490+14.6% |
| Participation rate | 43.4% | 61.1%-17.7pp | 69.5%-26.1pp | 67.9%-24.5pp |
| Annual return | -14.65% | -12.30%-2.4pp | 0.16%-14.8pp | -7.85%-6.8pp |
| Employer contribution / active EE | $404 | $1,505-73.1% | $2,414-83.3% | $2,597-84.4% |
| Participant deferral / active EE | $3,209 | $3,025+6.1% | $3,986-19.5% | $4,028-20.3% |
| Admin fee / account holder | $2,126 | $4,835-56.0% | $6,835-68.9% | $5,403-60.6% |