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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 | $157,165 | $59,813+162.8% | $79,580+97.5% | $68,486+129.5% |
| Participation rate | 65.8% | 61.1%+4.8pp | 69.5%-3.7pp | 67.9%-2.1pp |
| Annual return | -11.94% | -12.30%+0.4pp | 0.15%-12.1pp | -7.85%-4.1pp |
| Employer contribution / active EE | $2,657 | $1,505+76.5% | $2,413+10.1% | $2,597+2.3% |
| Participant deferral / active EE | $4,679 | $3,024+54.7% | $3,985+17.4% | $4,028+16.2% |
| Admin fee / account holder | $13,173 | $4,835+172.5% | $6,835+92.7% | $5,404+143.8% |