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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 | $103,582 | $53,162+94.8% | $91,225+13.5% | $68,486+51.2% |
| Participation rate | 57.7% | 63.2%-5.5pp | 73.2%-15.5pp | 67.9%-10.2pp |
| Annual return | -16.09% | -3.14%-12.9pp | 114.12%-130.2pp | -7.85%-8.2pp |
| Employer contribution / active EE | $965 | $1,709-43.6% | $2,851-66.2% | $2,597-62.8% |
| Participant deferral / active EE | $2,217 | $2,974-25.4% | $4,233-47.6% | $4,028-44.9% |
| Admin fee / account holder | $6,849 | $4,493+52.4% | $5,422+26.3% | $5,404+26.7% |