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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 | $92,283 | $59,819+54.3% | $79,583+16.0% | $68,490+34.7% |
| Participation rate | 50.0% | 61.1%-11.1pp | 69.5%-19.5pp | 67.9%-17.9pp |
| Annual return | -13.51% | -12.30%-1.2pp | 0.16%-13.7pp | -7.85%-5.7pp |
| Employer contribution / active EE | $2,042 | $1,505+35.7% | $2,414-15.4% | $2,597-21.3% |
| Participant deferral / active EE | $4,143 | $3,025+37.0% | $3,986+4.0% | $4,028+2.9% |
| Admin fee / account holder | $1,087 | $4,835-77.5% | $6,835-84.1% | $5,403-79.9% |