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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 | $111,870 | $61,660+81.4% | $80,022+39.8% | $64,173+74.3% |
| Participation rate | 57.4% | 71.7%-14.3pp | 75.8%-18.5pp | 69.6%-12.2pp |
| Annual return | -5.36% | -0.33%-5.0pp | 11.22%-16.6pp | 7.63%-13.0pp |
| Employer contribution / active EE | $642 | $1,810-64.5% | $2,468-74.0% | $2,381-73.0% |
| Participant deferral / active EE | $3,210 | $2,968+8.2% | $3,686-12.9% | $3,470-7.5% |
| Admin fee / account holder | $487 | $5,417-91.0% | $6,521-92.5% | $4,887-90.0% |