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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 | $86,824 | $58,587+48.2% | $83,322+4.2% | $64,173+35.3% |
| Participation rate | 58.6% | 72.0%-13.4pp | 77.8%-19.1pp | 69.6%-10.9pp |
| Annual return | -7.03% | 9.65%-16.7pp | 10.64%-17.7pp | 7.63%-14.7pp |
| Employer contribution / active EE | $1,350 | $2,098-35.6% | $3,379-60.0% | $2,381-43.3% |
| Participant deferral / active EE | $3,651 | $4,654-21.5% | $5,565-34.4% | $3,470+5.2% |
| Admin fee / account holder | $2,021 | $9,279-78.2% | $7,540-73.2% | $4,887-58.6% |