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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 | $77,605 | $62,583+24.0% | $76,767+1.1% | $64,173+20.9% |
| Participation rate | 39.3% | 72.8%-33.5pp | 77.0%-37.7pp | 69.6%-30.3pp |
| Annual return | -4.63% | -1.95%-2.7pp | 2.43%-7.1pp | 7.63%-12.3pp |
| Employer contribution / active EE | $933 | $1,832-49.0% | $2,485-62.4% | $2,381-60.8% |
| Participant deferral / active EE | $1,549 | $3,145-50.7% | $3,852-59.8% | $3,470-55.3% |
| Admin fee / account holder | $13,399 | $4,667+187.1% | $6,675+100.7% | $4,887+174.2% |