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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 | $108,431 | $64,729+67.5% | $112,263-3.4% | $68,490+58.3% |
| Participation rate | 40.0% | 67.2%-27.2pp | 75.1%-35.1pp | 67.9%-27.9pp |
| Annual return | -19.06% | -11.40%-7.7pp | 27.49%-46.5pp | -7.85%-11.2pp |
| Employer contribution / active EE | $1,887 | $2,746-31.3% | $3,636-48.1% | $2,597-27.3% |
| Participant deferral / active EE | $3,890 | $3,566+9.1% | $4,729-17.8% | $4,028-3.4% |
| Admin fee / account holder | $998 | $5,222-80.9% | $6,410-84.4% | $5,403-81.5% |