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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 | $74,091 | $77,817-4.8% | $123,553-40.0% | $64,173+15.5% |
| Participation rate | 43.9% | 74.7%-30.8pp | 82.3%-38.4pp | 69.6%-25.7pp |
| Annual return | -6.25% | 12.49%-18.7pp | 119.21%-125.5pp | 7.63%-13.9pp |
| Employer contribution / active EE | $1,599 | $3,014-46.9% | $4,628-65.4% | $2,381-32.8% |
| Participant deferral / active EE | $4,208 | $5,240-19.7% | $6,426-34.5% | $3,470+21.3% |
| Admin fee / account holder | $2,441 | $5,519-55.8% | $9,284-73.7% | $4,887-50.1% |