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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 | $92,206 | $112,300-17.9% | $90,223+2.2% | $125,389-26.5% |
| Participation rate | 62.5% | 82.9%-20.4pp | 79.0%-16.5pp | 83.2%-20.7pp |
| Annual return | 0.40% | -0.57%+1.0pp | 1.31%-0.9pp | 282.24%-281.8pp |
| Employer contribution / active EE | $2,537 | $5,181-51.0% | $4,378-42.1% | $4,866-47.9% |
| Participant deferral / active EE | $5,630 | $6,733-16.4% | $5,792-2.8% | $5,352+5.2% |
| Admin fee / account holder | $2,845 | $10,990-74.1% | $7,406-61.6% | $9,541-70.2% |