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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 | $133,962 | $57,352+133.6% | $83,830+59.8% | $64,173+108.8% |
| Participation rate | 65.4% | 68.6%-3.2pp | 76.1%-10.8pp | 69.6%-4.2pp |
| Annual return | -5.89% | 11.38%-17.3pp | 850.97%-856.9pp | 7.63%-13.5pp |
| Employer contribution / active EE | $1,669 | $2,546-34.5% | $3,631-54.0% | $2,381-29.9% |
| Participant deferral / active EE | $4,349 | $2,993+45.3% | $4,082+6.5% | $3,470+25.3% |
| Admin fee / account holder | $7,048 | $4,046+74.2% | $5,479+28.6% | $4,887+44.2% |