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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 | $135,151 | $53,546+152.4% | $69,890+93.4% | $68,490+97.3% |
| Participation rate | 66.7% | 64.5%+2.1pp | 70.5%-3.8pp | 67.9%-1.2pp |
| Annual return | -11.38% | -13.87%+2.5pp | 190.84%-202.2pp | -7.85%-3.5pp |
| Employer contribution / active EE | $1,228 | $2,019-39.2% | $2,560-52.0% | $2,597-52.7% |
| Participant deferral / active EE | $2,729 | $2,957-7.7% | $3,848-29.1% | $4,028-32.2% |
| Admin fee / account holder | $3,163 | $4,693-32.6% | $6,267-49.5% | $5,403-41.5% |