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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 | $177,870 | $71,878+147.5% | $86,698+105.2% | $68,486+159.7% |
| Participation rate | 61.4% | 72.2%-10.9pp | 76.6%-15.2pp | 67.9%-6.5pp |
| Annual return | -10.00% | 3.53%-13.5pp | 35.95%-46.0pp | -7.85%-2.1pp |
| Employer contribution / active EE | $2,376 | $2,173+9.3% | $2,837-16.2% | $2,597-8.5% |
| Participant deferral / active EE | $5,040 | $3,779+33.4% | $4,656+8.2% | $4,028+25.1% |
| Admin fee / account holder | $13,779 | $6,113+125.4% | $7,493+83.9% | $5,404+155.0% |