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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 | $90,055 | $71,873+25.3% | $86,698+3.9% | $68,490+31.5% |
| Participation rate | 39.5% | 72.2%-32.8pp | 76.6%-37.1pp | 67.9%-28.4pp |
| Annual return | -13.92% | 3.54%-17.5pp | 35.96%-49.9pp | -7.85%-6.1pp |
| Employer contribution / active EE | $716 | $2,173-67.1% | $2,837-74.8% | $2,597-72.4% |
| Participant deferral / active EE | $3,203 | $3,779-15.2% | $4,656-31.2% | $4,028-20.5% |
| Admin fee / account holder | $37,557 | $6,110+514.6% | $7,492+401.3% | $5,403+595.1% |