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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 | $149,463 | $57,352+160.6% | $83,831+78.3% | $64,173+132.9% |
| Participation rate | 58.6% | 68.6%-10.0pp | 76.1%-17.5pp | 69.6%-10.9pp |
| Annual return | -7.76% | 11.38%-19.1pp | 850.99%-858.7pp | 7.63%-15.4pp |
| Employer contribution / active EE | $2,014 | $2,546-20.9% | $3,631-44.5% | $2,381-15.4% |
| Participant deferral / active EE | $3,513 | $2,993+17.4% | $4,082-13.9% | $3,470+1.3% |
| Admin fee / account holder | $5,826 | $4,046+44.0% | $5,479+6.3% | $4,887+19.2% |