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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 | $107,563 | $64,729+66.2% | $112,263-4.2% | $68,490+57.0% |
| Participation rate | 52.8% | 67.2%-14.4pp | 75.1%-22.3pp | 67.9%-15.1pp |
| Annual return | -5.93% | -11.40%+5.5pp | 27.49%-33.4pp | -7.85%+1.9pp |
| Employer contribution / active EE | $1,218 | $2,746-55.6% | $3,636-66.5% | $2,597-53.1% |
| Participant deferral / active EE | $3,336 | $3,566-6.4% | $4,729-29.5% | $4,028-17.2% |
| Admin fee / account holder | $3,395 | $5,222-35.0% | $6,410-47.0% | $5,403-37.2% |