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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 | $92,670 | $48,267+92.0% | $68,808+34.7% | $68,486+35.3% |
| Participation rate | 47.2% | 60.7%-13.4pp | 69.0%-21.8pp | 67.9%-20.7pp |
| Annual return | -17.74% | -12.70%-5.0pp | -6.37%-11.4pp | -7.85%-9.9pp |
| Employer contribution / active EE | $1,446 | $1,829-20.9% | $2,656-45.5% | $2,597-44.3% |
| Participant deferral / active EE | $4,668 | $2,867+62.8% | $3,942+18.4% | $4,028+15.9% |
| Admin fee / account holder | $3,600 | $4,362-17.5% | $4,936-27.1% | $5,404-33.4% |