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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 | $110,452 | $57,350+92.6% | $83,850+31.7% | $64,181+72.1% |
| Participation rate | 28.6% | 68.6%-40.0pp | 76.1%-47.6pp | 69.6%-41.0pp |
| Annual return | -6.32% | 11.38%-17.7pp | 850.92%-857.2pp | 7.63%-14.0pp |
| Employer contribution / active EE | $732 | $2,545-71.2% | $3,631-79.8% | $2,381-69.2% |
| Participant deferral / active EE | $1,476 | $2,993-50.7% | $4,082-63.8% | $3,470-57.5% |
| Admin fee / account holder | $893 | $4,046-77.9% | $5,478-83.7% | $4,887-81.7% |