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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 | $105,642 | $64,719+63.2% | $112,249-5.9% | $68,486+54.3% |
| Participation rate | 66.1% | 67.2%-1.0pp | 75.1%-9.0pp | 67.9%-1.8pp |
| Annual return | -17.72% | -11.40%-6.3pp | 27.48%-45.2pp | -7.85%-9.9pp |
| Employer contribution / active EE | $3,222 | $2,747+17.3% | $3,636-11.4% | $2,597+24.1% |
| Participant deferral / active EE | $7,312 | $3,565+105.1% | $4,729+54.6% | $4,028+81.5% |
| Admin fee / account holder | $3,202 | $5,232-38.8% | $6,412-50.1% | $5,404-40.7% |