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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 | $125,562 | $53,546+134.5% | $69,890+79.7% | $68,490+83.3% |
| Participation rate | 60.9% | 64.5%-3.6pp | 70.5%-9.5pp | 67.9%-7.0pp |
| Annual return | -15.54% | -13.87%-1.7pp | 190.84%-206.4pp | -7.85%-7.7pp |
| Employer contribution / active EE | $0 | $2,019-100.0% | $2,560-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $5,041 | $2,957+70.5% | $3,848+31.0% | $4,028+25.2% |
| Admin fee / account holder | $3,483 | $4,693-25.8% | $6,267-44.4% | $5,403-35.5% |