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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 | $182,984 | $64,719+182.7% | $112,249+63.0% | $68,486+167.2% |
| Participation rate | 68.6% | 67.2%+1.4pp | 75.1%-6.5pp | 67.9%+0.7pp |
| Annual return | -15.87% | -11.40%-4.5pp | 27.48%-43.4pp | -7.85%-8.0pp |
| Employer contribution / active EE | $2,616 | $2,747-4.8% | $3,636-28.1% | $2,597+0.7% |
| Participant deferral / active EE | $6,442 | $3,565+80.7% | $4,729+36.2% | $4,028+60.0% |
| Admin fee / account holder | $10,641 | $5,232+103.4% | $6,412+65.9% | $5,404+96.9% |