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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 | $93,692 | $59,813+56.6% | $79,580+17.7% | $68,486+36.8% |
| Participation rate | 46.2% | 61.1%-14.9pp | 69.5%-23.3pp | 67.9%-21.7pp |
| Annual return | -11.52% | -12.30%+0.8pp | 0.15%-11.7pp | -7.85%-3.7pp |
| Employer contribution / active EE | $1,345 | $1,505-10.7% | $2,413-44.3% | $2,597-48.2% |
| Participant deferral / active EE | $2,594 | $3,024-14.2% | $3,985-34.9% | $4,028-35.6% |
| Admin fee / account holder | $4,608 | $4,835-4.7% | $6,835-32.6% | $5,404-14.7% |