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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 | $103,376 | $52,678+96.2% | $75,784+36.4% | $59,633+73.4% |
| Participation rate | 38.9% | 67.2%-28.3pp | 75.8%-36.9pp | 68.7%-29.8pp |
| Annual return | -2.82% | 2.95%-5.8pp | 9.68%-12.5pp | 2041.45%-2044.3pp |
| Employer contribution / active EE | $926 | $2,193-57.8% | $3,323-72.1% | $2,203-58.0% |
| Participant deferral / active EE | $1,577 | $2,591-39.1% | $3,652-56.8% | $3,192-50.6% |
| Admin fee / account holder | $6,158 | $3,610+70.6% | $5,300+16.2% | $4,297+43.3% |