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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 | $125,349 | $71,878+74.4% | $86,698+44.6% | $68,486+83.0% |
| Participation rate | 57.7% | 72.2%-14.6pp | 76.6%-18.9pp | 67.9%-10.2pp |
| Annual return | -13.33% | 3.53%-16.9pp | 35.95%-49.3pp | -7.85%-5.5pp |
| Employer contribution / active EE | $1,103 | $2,173-49.3% | $2,837-61.1% | $2,597-57.5% |
| Participant deferral / active EE | $5,334 | $3,779+41.1% | $4,656+14.5% | $4,028+32.4% |
| Admin fee / account holder | $4,041 | $6,113-33.9% | $7,493-46.1% | $5,404-25.2% |