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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 | $111,840 | $50,947+119.5% | $74,549+50.0% | $64,173+74.3% |
| Participation rate | 18.5% | 61.1%-42.6pp | 69.1%-50.7pp | 69.6%-51.1pp |
| Annual return | -5.88% | -1.85%-4.0pp | 32.53%-38.4pp | 7.63%-13.5pp |
| Employer contribution / active EE | $432 | $1,115-61.3% | $1,961-78.0% | $2,381-81.8% |
| Participant deferral / active EE | $1,271 | $2,302-44.8% | $3,108-59.1% | $3,470-63.4% |
| Admin fee / account holder | $8,620 | $4,221+104.2% | $5,059+70.4% | $4,887+76.4% |