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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 | $145,249 | $73,848+96.7% | $143,799+1.0% | $68,486+112.1% |
| Participation rate | 68.8% | 66.7%+2.1pp | 80.3%-11.6pp | 67.9%+0.9pp |
| Annual return | -16.83% | 0.91%-17.7pp | -0.04%-16.8pp | -7.85%-9.0pp |
| Employer contribution / active EE | $5,051 | $3,184+58.6% | $4,952+2.0% | $2,597+94.5% |
| Participant deferral / active EE | $7,591 | $3,385+124.3% | $5,638+34.6% | $4,028+88.5% |
| Admin fee / account holder | $4,297 | $5,755-25.3% | $14,677-70.7% | $5,404-20.5% |