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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 | $178,524 | $77,817+129.4% | $123,553+44.5% | $64,173+178.2% |
| Participation rate | 59.4% | 74.7%-15.3pp | 82.3%-22.9pp | 69.6%-10.2pp |
| Annual return | -4.41% | 12.49%-16.9pp | 119.21%-123.6pp | 7.63%-12.0pp |
| Employer contribution / active EE | $2,993 | $3,014-0.7% | $4,628-35.3% | $2,381+25.7% |
| Participant deferral / active EE | $5,953 | $5,240+13.6% | $6,426-7.4% | $3,470+71.6% |
| Admin fee / account holder | $6,808 | $5,519+23.4% | $9,284-26.7% | $4,887+39.3% |