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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 | $81,041 | $59,813+35.5% | $79,580+1.8% | $68,486+18.3% |
| Participation rate | 30.6% | 61.1%-30.5pp | 69.5%-38.9pp | 67.9%-37.3pp |
| Annual return | -13.23% | -12.30%-0.9pp | 0.15%-13.4pp | -7.85%-5.4pp |
| Employer contribution / active EE | $1,048 | $1,505-30.4% | $2,413-56.6% | $2,597-59.7% |
| Participant deferral / active EE | $1,641 | $3,024-45.8% | $3,985-58.8% | $4,028-59.3% |
| Admin fee / account holder | $11,356 | $4,835+134.9% | $6,835+66.1% | $5,404+110.2% |