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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 | $129,236 | $59,834+116.0% | $79,576+62.4% | $68,495+88.7% |
| Participation rate | 32.6% | 61.1%-28.5pp | 69.5%-36.9pp | 67.9%-35.3pp |
| Annual return | -19.08% | -12.30%-6.8pp | 0.15%-19.2pp | -7.84%-11.2pp |
| Employer contribution / active EE | $922 | $1,505-38.7% | $2,413-61.8% | $2,596-64.5% |
| Participant deferral / active EE | $2,092 | $3,024-30.8% | $3,985-47.5% | $4,028-48.0% |
| Admin fee / account holder | $4,888 | $4,835+1.1% | $6,834-28.5% | $5,403-9.5% |