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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 | $131,292 | $64,729+102.8% | $112,263+17.0% | $68,490+91.7% |
| Participation rate | 48.0% | 67.2%-19.2pp | 75.1%-27.1pp | 67.9%-19.9pp |
| Annual return | -17.53% | -11.40%-6.1pp | 27.49%-45.0pp | -7.85%-9.7pp |
| Employer contribution / active EE | $1,752 | $2,746-36.2% | $3,636-51.8% | $2,597-32.5% |
| Participant deferral / active EE | $3,795 | $3,566+6.4% | $4,729-19.8% | $4,028-5.8% |
| Admin fee / account holder | $1,901 | $5,222-63.6% | $6,410-70.3% | $5,403-64.8% |