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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 | $108,791 | $59,819+81.9% | $79,583+36.7% | $68,490+58.8% |
| Participation rate | 31.4% | 61.1%-29.6pp | 69.5%-38.1pp | 67.9%-36.5pp |
| Annual return | -6.98% | -12.30%+5.3pp | 0.16%-7.1pp | -7.85%+0.9pp |
| Employer contribution / active EE | $1,313 | $1,505-12.8% | $2,414-45.6% | $2,597-49.4% |
| Participant deferral / active EE | $2,995 | $3,025-1.0% | $3,986-24.9% | $4,028-25.6% |
| Admin fee / account holder | $11,078 | $4,835+129.1% | $6,835+62.1% | $5,403+105.0% |