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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 | $117,570 | $61,660+90.7% | $80,022+46.9% | $64,173+83.2% |
| Participation rate | 65.7% | 71.7%-6.0pp | 75.8%-10.1pp | 69.6%-3.9pp |
| Annual return | -6.54% | -0.33%-6.2pp | 11.22%-17.8pp | 7.63%-14.2pp |
| Employer contribution / active EE | $1,124 | $1,810-37.9% | $2,468-54.5% | $2,381-52.8% |
| Participant deferral / active EE | $3,462 | $2,968+16.7% | $3,686-6.1% | $3,470-0.2% |
| Admin fee / account holder | $2,374 | $5,417-56.2% | $6,521-63.6% | $4,887-51.4% |