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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 | $109,150 | $50,958+114.2% | $74,552+46.4% | $64,181+70.1% |
| Participation rate | 43.8% | 61.1%-17.3pp | 69.1%-25.4pp | 69.6%-25.8pp |
| Annual return | -6.95% | -1.86%-5.1pp | 32.53%-39.5pp | 7.63%-14.6pp |
| Employer contribution / active EE | $1,071 | $1,115-3.9% | $1,961-45.4% | $2,381-55.0% |
| Participant deferral / active EE | $1,838 | $2,301-20.1% | $3,108-40.9% | $3,470-47.0% |
| Admin fee / account holder | $742 | $4,223-82.4% | $5,060-85.3% | $4,887-84.8% |