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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 | $109,818 | $82,678+32.8% | $125,391-12.4% | $68,490+60.3% |
| Participation rate | 60.7% | 75.1%-14.3pp | 82.4%-21.7pp | 67.9%-7.2pp |
| Annual return | -17.39% | -5.97%-11.4pp | 572.41%-589.8pp | -7.85%-9.5pp |
| Employer contribution / active EE | $2,121 | $3,382-37.3% | $4,816-55.9% | $2,597-18.3% |
| Participant deferral / active EE | $4,846 | $6,111-20.7% | $7,448-34.9% | $4,028+20.3% |
| Admin fee / account holder | $6,269 | $6,277-0.1% | $10,009-37.4% | $5,403+16.0% |