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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 | $93,887 | $73,839+27.2% | $143,788-34.7% | $68,495+37.1% |
| Participation rate | 56.4% | 66.7%-10.2pp | 80.3%-23.9pp | 67.9%-11.5pp |
| Annual return | -13.84% | 1.01%-14.9pp | -0.03%-13.8pp | -7.84%-6.0pp |
| Employer contribution / active EE | $1,127 | $3,184-64.6% | $4,952-77.2% | $2,596-56.6% |
| Participant deferral / active EE | $3,067 | $3,384-9.4% | $5,638-45.6% | $4,028-23.8% |
| Admin fee / account holder | $14,164 | $5,755+146.1% | $14,675-3.5% | $5,403+162.1% |