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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 | $90,823 | $56,484+60.8% | $169,452-46.4% | $64,173+41.5% |
| Participation rate | 51.3% | 64.5%-13.3pp | 77.8%-26.5pp | 69.6%-18.3pp |
| Annual return | -5.67% | -1.55%-4.1pp | 1.83%-7.5pp | 7.63%-13.3pp |
| Employer contribution / active EE | $2,504 | $1,832+36.7% | $4,157-39.8% | $2,381+5.2% |
| Participant deferral / active EE | $4,655 | $3,448+35.0% | $5,277-11.8% | $3,470+34.2% |
| Admin fee / account holder | $2,158 | $4,174-48.3% | $9,110-76.3% | $4,887-55.8% |