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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 | $90,658 | $64,729+40.1% | $112,263-19.2% | $68,490+32.4% |
| Participation rate | 57.1% | 67.2%-10.0pp | 75.1%-17.9pp | 67.9%-10.8pp |
| Annual return | -12.46% | -11.40%-1.1pp | 27.49%-40.0pp | -7.85%-4.6pp |
| Employer contribution / active EE | $1,220 | $2,746-55.6% | $3,636-66.5% | $2,597-53.0% |
| Participant deferral / active EE | $1,589 | $3,566-55.4% | $4,729-66.4% | $4,028-60.6% |
| Admin fee / account holder | $41,582 | $5,222+696.3% | $6,410+548.7% | $5,403+669.6% |