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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 | $96,393 | $71,878+34.1% | $86,698+11.2% | $68,486+40.7% |
| Participation rate | 65.4% | 72.2%-6.9pp | 76.6%-11.2pp | 67.9%-2.5pp |
| Annual return | -17.27% | 3.53%-20.8pp | 35.95%-53.2pp | -7.85%-9.4pp |
| Employer contribution / active EE | $850 | $2,173-60.9% | $2,837-70.1% | $2,597-67.3% |
| Participant deferral / active EE | $3,446 | $3,779-8.8% | $4,656-26.0% | $4,028-14.4% |
| Admin fee / account holder | $5,466 | $6,113-10.6% | $7,493-27.0% | $5,404+1.1% |