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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 | $232,748 | $45,872+407.4% | $77,100+201.9% | $68,490+239.8% |
| Participation rate | 66.7% | 55.9%+10.7pp | 67.9%-1.3pp | 67.9%-1.2pp |
| Annual return | -12.07% | 1.73%-13.8pp | 42.35%-54.4pp | -7.85%-4.2pp |
| Employer contribution / active EE | $2,298 | $1,650+39.3% | $2,815-18.4% | $2,597-11.5% |
| Participant deferral / active EE | $7,219 | $2,963+143.7% | $4,430+63.0% | $4,028+79.2% |
| Admin fee / account holder | $4,986 | $3,041+64.0% | $5,443-8.4% | $5,403-7.7% |