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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 | $94,333 | $50,947+85.2% | $74,551+26.5% | $64,173+47.0% |
| Participation rate | 60.3% | 61.1%-0.7pp | 69.1%-8.8pp | 69.6%-9.3pp |
| Annual return | -5.17% | -1.85%-3.3pp | 32.53%-37.7pp | 7.63%-12.8pp |
| Employer contribution / active EE | $459 | $1,115-58.8% | $1,961-76.6% | $2,381-80.7% |
| Participant deferral / active EE | $5,683 | $2,302+146.9% | $3,108+82.8% | $3,470+63.8% |
| Admin fee / account holder | $6,869 | $4,221+62.7% | $5,059+35.8% | $4,887+40.5% |