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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 | $83,762 | $64,719+29.4% | $112,249-25.4% | $68,486+22.3% |
| Participation rate | 48.4% | 67.2%-18.7pp | 75.1%-26.6pp | 67.9%-19.5pp |
| Annual return | -15.92% | -11.40%-4.5pp | 27.48%-43.4pp | -7.85%-8.1pp |
| Employer contribution / active EE | $1,783 | $2,747-35.1% | $3,636-51.0% | $2,597-31.3% |
| Participant deferral / active EE | $3,028 | $3,565-15.1% | $4,729-36.0% | $4,028-24.8% |
| Admin fee / account holder | $7,079 | $5,232+35.3% | $6,412+10.4% | $5,404+31.0% |