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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 | $93,054 | $77,817+19.6% | $123,553-24.7% | $64,173+45.0% |
| Participation rate | 59.1% | 74.7%-15.6pp | 82.3%-23.2pp | 69.6%-10.5pp |
| Annual return | -5.24% | 12.49%-17.7pp | 119.21%-124.4pp | 7.63%-12.9pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $8,785 | $5,240+67.7% | $6,426+36.7% | $3,470+153.2% |
| Admin fee / account holder | $2,689 | $5,519-51.3% | $9,284-71.0% | $4,887-45.0% |