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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 | $158,431 | $71,873+120.4% | $86,698+82.7% | $68,490+131.3% |
| Participation rate | 63.0% | 72.2%-9.2pp | 76.6%-13.5pp | 67.9%-4.9pp |
| Annual return | -14.89% | 3.54%-18.4pp | 35.96%-50.9pp | -7.85%-7.0pp |
| Employer contribution / active EE | $2,314 | $2,173+6.5% | $2,837-18.4% | $2,597-10.9% |
| Participant deferral / active EE | $7,083 | $3,779+87.4% | $4,656+52.1% | $4,028+75.9% |
| Admin fee / account holder | $8,435 | $6,110+38.0% | $7,492+12.6% | $5,403+56.1% |