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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 | $75,823 | $41,981+80.6% | $63,412+19.6% | $59,633+27.1% |
| Participation rate | 48.1% | 60.3%-12.2pp | 67.1%-19.1pp | 68.7%-20.6pp |
| Annual return | -0.35% | 13.04%-13.4pp | 4.04%-4.4pp | 2041.45%-2041.8pp |
| Employer contribution / active EE | $982 | $1,287-23.7% | $1,814-45.9% | $2,203-55.4% |
| Participant deferral / active EE | $4,064 | $2,002+103.0% | $2,496+62.8% | $3,192+27.3% |
| Admin fee / account holder | $4,940 | $3,509+40.8% | $3,753+31.6% | $4,297+15.0% |