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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 | $172,948 | $81,870+111.2% | $119,634+44.6% | $68,490+152.5% |
| Participation rate | 65.7% | 71.9%-6.2pp | 79.3%-13.6pp | 67.9%-2.2pp |
| Annual return | -14.35% | -23.82%+9.5pp | -14.98%+0.6pp | -7.85%-6.5pp |
| Employer contribution / active EE | $4,509 | $2,692+67.5% | $4,232+6.5% | $2,597+73.6% |
| Participant deferral / active EE | $8,252 | $4,148+98.9% | $5,601+47.3% | $4,028+104.9% |
| Admin fee / account holder | $3,696 | $6,583-43.9% | $10,329-64.2% | $5,403-31.6% |