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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 | $91,055 | $62,583+45.5% | $76,767+18.6% | $64,173+41.9% |
| Participation rate | 18.5% | 72.8%-54.3pp | 77.0%-58.4pp | 69.6%-51.1pp |
| Annual return | -6.36% | -1.95%-4.4pp | 2.43%-8.8pp | 7.63%-14.0pp |
| Employer contribution / active EE | $802 | $1,832-56.3% | $2,485-67.7% | $2,381-66.3% |
| Participant deferral / active EE | $2,260 | $3,145-28.1% | $3,852-41.3% | $3,470-34.9% |
| Admin fee / account holder | $1,932 | $4,667-58.6% | $6,675-71.1% | $4,887-60.5% |