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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 | $205,664 | $81,870+151.2% | $119,622+71.9% | $68,486+200.3% |
| Participation rate | 65.6% | 71.9%-6.3pp | 79.3%-13.6pp | 67.9%-2.3pp |
| Annual return | -12.94% | -23.82%+10.9pp | -14.98%+2.0pp | -7.85%-5.1pp |
| Employer contribution / active EE | $5,066 | $2,692+88.2% | $4,232+19.7% | $2,597+95.1% |
| Participant deferral / active EE | $7,685 | $4,148+85.3% | $5,601+37.2% | $4,028+90.8% |
| Admin fee / account holder | $12,314 | $6,583+87.0% | $10,328+19.2% | $5,404+127.9% |