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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 | $98,072 | $50,947+92.5% | $74,551+31.6% | $64,173+52.8% |
| Participation rate | 50.0% | 61.1%-11.1pp | 69.1%-19.1pp | 69.6%-19.6pp |
| Annual return | -5.47% | -1.85%-3.6pp | 32.53%-38.0pp | 7.63%-13.1pp |
| Employer contribution / active EE | $1,028 | $1,115-7.8% | $1,961-47.6% | $2,381-56.8% |
| Participant deferral / active EE | $2,675 | $2,302+16.2% | $3,108-13.9% | $3,470-22.9% |
| Admin fee / account holder | $1,359 | $4,221-67.8% | $5,059-73.1% | $4,887-72.2% |