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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 | $96,125 | $56,484+70.2% | $169,452-43.3% | $64,173+49.8% |
| Participation rate | 47.8% | 64.5%-16.7pp | 77.8%-30.0pp | 69.6%-21.7pp |
| Annual return | -5.59% | -1.55%-4.0pp | 1.83%-7.4pp | 7.63%-13.2pp |
| Employer contribution / active EE | $999 | $1,832-45.5% | $4,157-76.0% | $2,381-58.0% |
| Participant deferral / active EE | $1,359 | $3,448-60.6% | $5,277-74.2% | $3,470-60.8% |
| Admin fee / account holder | $1,598 | $4,174-61.7% | $9,110-82.5% | $4,887-67.3% |