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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 | $183,651 | $43,344+323.7% | $59,899+206.6% | $64,173+186.2% |
| Participation rate | 51.1% | 69.2%-18.0pp | 74.7%-23.6pp | 69.6%-18.4pp |
| Annual return | -3.78% | -1.55%-2.2pp | 3.46%-7.2pp | 7.63%-11.4pp |
| Employer contribution / active EE | $1,761 | $2,030-13.2% | $2,723-35.3% | $2,381-26.0% |
| Participant deferral / active EE | $4,162 | $2,547+63.4% | $3,402+22.3% | $3,470+20.0% |
| Admin fee / account holder | $11,128 | $3,008+269.9% | $3,592+209.8% | $4,887+127.7% |