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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 | $98,402 | $54,162+81.7% | $68,612+43.4% | $64,173+53.3% |
| Participation rate | 35.5% | 68.1%-32.5pp | 72.2%-36.7pp | 69.6%-34.0pp |
| Annual return | -5.61% | -1.62%-4.0pp | -4.63%-1.0pp | 7.63%-13.2pp |
| Employer contribution / active EE | $547 | $1,846-70.4% | $2,625-79.2% | $2,381-77.0% |
| Participant deferral / active EE | $3,056 | $2,626+16.4% | $3,311-7.7% | $3,470-11.9% |
| Admin fee / account holder | $12,164 | $4,029+201.9% | $5,131+137.0% | $4,887+148.9% |