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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 | $114,575 | $53,162+115.5% | $91,225+25.6% | $68,486+67.3% |
| Participation rate | 40.7% | 63.2%-22.5pp | 73.2%-32.5pp | 67.9%-27.2pp |
| Annual return | -16.35% | -3.14%-13.2pp | 114.12%-130.5pp | -7.85%-8.5pp |
| Employer contribution / active EE | $509 | $1,709-70.2% | $2,851-82.1% | $2,597-80.4% |
| Participant deferral / active EE | $2,243 | $2,974-24.6% | $4,233-47.0% | $4,028-44.3% |
| Admin fee / account holder | $2,441 | $4,493-45.7% | $5,422-55.0% | $5,404-54.8% |