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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 | $109,489 | $53,546+104.5% | $69,890+56.7% | $68,490+59.9% |
| Participation rate | 60.5% | 64.5%-4.1pp | 70.5%-10.0pp | 67.9%-7.4pp |
| Annual return | -11.00% | -13.87%+2.9pp | 190.84%-201.8pp | -7.85%-3.1pp |
| Employer contribution / active EE | $2,031 | $2,019+0.6% | $2,560-20.7% | $2,597-21.8% |
| Participant deferral / active EE | $5,054 | $2,957+70.9% | $3,848+31.3% | $4,028+25.5% |
| Admin fee / account holder | $4,769 | $4,693+1.6% | $6,267-23.9% | $5,403-11.7% |