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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 | $102,102 | $71,878+42.0% | $86,698+17.8% | $68,486+49.1% |
| Participation rate | 49.5% | 72.2%-22.8pp | 76.6%-27.1pp | 67.9%-18.4pp |
| Annual return | -14.58% | 3.53%-18.1pp | 35.95%-50.5pp | -7.85%-6.7pp |
| Employer contribution / active EE | $1,155 | $2,173-46.9% | $2,837-59.3% | $2,597-55.5% |
| Participant deferral / active EE | $2,487 | $3,779-34.2% | $4,656-46.6% | $4,028-38.2% |
| Admin fee / account holder | $4,289 | $6,113-29.8% | $7,493-42.8% | $5,404-20.6% |