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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 | $99,341 | $56,339+76.3% | $104,301-4.8% | $68,486+45.1% |
| Participation rate | 52.8% | 63.3%-10.5pp | 73.3%-20.5pp | 67.9%-15.1pp |
| Annual return | -15.22% | -9.19%-6.0pp | 24.61%-39.8pp | -7.85%-7.4pp |
| Employer contribution / active EE | $2,017 | $1,960+2.9% | $3,373-40.2% | $2,597-22.3% |
| Participant deferral / active EE | $4,139 | $3,077+34.5% | $4,626-10.5% | $4,028+2.8% |
| Admin fee / account holder | $692 | $4,902-85.9% | $7,340-90.6% | $5,404-87.2% |