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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 | $201,368 | $110,083+82.9% | $151,639+32.8% | $68,486+194.0% |
| Participation rate | 59.5% | 84.0%-24.4pp | 87.5%-28.0pp | 67.9%-8.4pp |
| Annual return | -15.95% | -10.12%-5.8pp | 3.34%-19.3pp | -7.85%-8.1pp |
| Employer contribution / active EE | $4,559 | $4,470+2.0% | $6,165-26.0% | $2,597+75.6% |
| Participant deferral / active EE | $10,861 | $6,526+66.4% | $8,363+29.9% | $4,028+169.7% |
| Admin fee / account holder | $45,881 | $7,718+494.5% | $11,613+295.1% | $5,404+749.1% |