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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 | $159,325 | $67,411+136.3% | $91,004+75.1% | $70,124+127.2% |
| Participation rate | 65.5% | 71.4%-5.8pp | 75.6%-10.1pp | 69.5%-4.0pp |
| Annual return | 16.43% | -40.16%+56.6pp | 4.60%+11.8pp | 73.14%-56.7pp |
| Employer contribution / active EE | $1,680 | $1,786-6.0% | $2,456-31.6% | $2,342-28.3% |
| Participant deferral / active EE | $2,727 | $2,823-3.4% | $3,548-23.1% | $3,332-18.2% |
| Admin fee / account holder | $12,252 | $4,236+189.2% | $5,417+126.2% | $4,645+163.7% |