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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 | $102,396 | $61,660+66.1% | $80,022+28.0% | $64,173+59.6% |
| Participation rate | 63.2% | 71.7%-8.5pp | 75.8%-12.7pp | 69.6%-6.4pp |
| Annual return | -3.07% | -0.33%-2.7pp | 11.22%-14.3pp | 7.63%-10.7pp |
| Employer contribution / active EE | $590 | $1,810-67.4% | $2,468-76.1% | $2,381-75.2% |
| Participant deferral / active EE | $5,896 | $2,968+98.7% | $3,686+60.0% | $3,470+69.9% |
| Admin fee / account holder | $12,984 | $5,417+139.7% | $6,521+99.1% | $4,887+165.7% |