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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 | $94,283 | $57,352+64.4% | $83,831+12.5% | $64,173+46.9% |
| Participation rate | 31.0% | 68.6%-37.7pp | 76.1%-45.2pp | 69.6%-38.6pp |
| Annual return | -6.54% | 11.38%-17.9pp | 850.99%-857.5pp | 7.63%-14.2pp |
| Employer contribution / active EE | $1,303 | $2,546-48.8% | $3,631-64.1% | $2,381-45.3% |
| Participant deferral / active EE | $3,490 | $2,993+16.6% | $4,082-14.5% | $3,470+0.6% |
| Admin fee / account holder | $927 | $4,046-77.1% | $5,479-83.1% | $4,887-81.0% |