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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 | $94,478 | $59,819+57.9% | $79,583+18.7% | $68,490+37.9% |
| Participation rate | 51.1% | 61.1%-10.0pp | 69.5%-18.4pp | 67.9%-16.8pp |
| Annual return | -16.50% | -12.30%-4.2pp | 0.16%-16.7pp | -7.85%-8.6pp |
| Employer contribution / active EE | $457 | $1,505-69.7% | $2,414-81.1% | $2,597-82.4% |
| Participant deferral / active EE | $6,032 | $3,025+99.4% | $3,986+51.3% | $4,028+49.8% |
| Admin fee / account holder | $33,832 | $4,835+599.7% | $6,835+395.0% | $5,403+526.2% |