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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 | $100,723 | $64,729+55.6% | $112,263-10.3% | $68,490+47.1% |
| Participation rate | 56.3% | 67.2%-10.9pp | 75.1%-18.8pp | 67.9%-11.6pp |
| Annual return | -18.76% | -11.40%-7.4pp | 27.49%-46.3pp | -7.85%-10.9pp |
| Employer contribution / active EE | $826 | $2,746-69.9% | $3,636-77.3% | $2,597-68.2% |
| Participant deferral / active EE | $4,330 | $3,566+21.4% | $4,729-8.4% | $4,028+7.5% |
| Admin fee / account holder | $1,759 | $5,222-66.3% | $6,410-72.6% | $5,403-67.4% |