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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 | $102,066 | $64,729+57.7% | $112,263-9.1% | $68,490+49.0% |
| Participation rate | 56.6% | 67.2%-10.5pp | 75.1%-18.5pp | 67.9%-11.3pp |
| Annual return | -14.05% | -11.40%-2.6pp | 27.49%-41.5pp | -7.85%-6.2pp |
| Employer contribution / active EE | $1,650 | $2,746-39.9% | $3,636-54.6% | $2,597-36.4% |
| Participant deferral / active EE | $3,405 | $3,566-4.5% | $4,729-28.0% | $4,028-15.5% |
| Admin fee / account holder | $10,220 | $5,222+95.7% | $6,410+59.4% | $5,403+89.2% |