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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 | $91,084 | $61,660+47.7% | $80,022+13.8% | $64,181+41.9% |
| Participation rate | 45.0% | 71.7%-26.7pp | 75.8%-30.8pp | 69.6%-24.6pp |
| Annual return | -6.18% | -0.33%-5.9pp | 11.22%-17.4pp | 7.63%-13.8pp |
| Employer contribution / active EE | $910 | $1,810-49.7% | $2,468-63.1% | $2,381-61.8% |
| Participant deferral / active EE | $1,584 | $2,968-46.6% | $3,686-57.0% | $3,470-54.3% |
| Admin fee / account holder | $725 | $5,417-86.6% | $6,521-88.9% | $4,887-85.2% |