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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 | $93,330 | $62,589+49.1% | $76,768+21.6% | $64,173+45.4% |
| Participation rate | 31.4% | 72.8%-41.4pp | 77.0%-45.5pp | 69.6%-38.1pp |
| Annual return | -6.07% | -1.95%-4.1pp | 2.43%-8.5pp | 7.63%-13.7pp |
| Employer contribution / active EE | $0 | $1,832-100.0% | $2,485-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,754 | $3,145-44.2% | $3,852-54.5% | $3,470-49.4% |
| Admin fee / account holder | $5,514 | $4,667+18.1% | $6,675-17.4% | $4,887+12.8% |