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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 | $108,716 | $59,819+81.7% | $79,583+36.6% | $68,490+58.7% |
| Participation rate | 41.3% | 61.1%-19.8pp | 69.5%-28.2pp | 67.9%-26.6pp |
| Annual return | -16.01% | -12.30%-3.7pp | 0.16%-16.2pp | -7.85%-8.2pp |
| Employer contribution / active EE | $651 | $1,505-56.7% | $2,414-73.0% | $2,597-74.9% |
| Participant deferral / active EE | $1,967 | $3,025-35.0% | $3,986-50.7% | $4,028-51.2% |
| Admin fee / account holder | $9,484 | $4,835+96.1% | $6,835+38.7% | $5,403+75.5% |