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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 | $134,028 | $53,546+150.3% | $69,884+91.8% | $68,486+95.7% |
| Participation rate | 65.5% | 64.5%+1.0pp | 70.5%-5.0pp | 67.9%-2.4pp |
| Annual return | -15.70% | -13.87%-1.8pp | 190.81%-206.5pp | -7.85%-7.8pp |
| Employer contribution / active EE | $1,814 | $2,019-10.2% | $2,560-29.1% | $2,597-30.1% |
| Participant deferral / active EE | $4,761 | $2,957+61.0% | $3,848+23.7% | $4,028+18.2% |
| Admin fee / account holder | $546 | $4,693-88.4% | $6,266-91.3% | $5,404-89.9% |