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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 | $160,885 | $79,633+102.0% | $93,786+71.5% | $68,490+134.9% |
| Participation rate | 60.0% | 75.4%-15.4pp | 81.0%-21.0pp | 67.9%-7.9pp |
| Annual return | -17.23% | -0.10%-17.1pp | -11.32%-5.9pp | -7.85%-9.4pp |
| Employer contribution / active EE | $2,615 | $3,665-28.7% | $4,328-39.6% | $2,597+0.7% |
| Participant deferral / active EE | $6,834 | $5,158+32.5% | $6,100+12.0% | $4,028+69.7% |
| Admin fee / account holder | $2,807 | $6,871-59.2% | $7,184-60.9% | $5,403-48.0% |