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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 | $185,405 | $142,361+30.2% | $119,608+55.0% | $134,509+37.8% |
| Participation rate | 69.2% | 82.8%-13.6pp | 79.3%-10.0pp | 81.2%-12.0pp |
| Annual return | -12.27% | -12.46%+0.2pp | -14.98%+2.7pp | 418.13%-430.4pp |
| Employer contribution / active EE | $3,340 | $5,224-36.1% | $4,232-21.1% | $4,741-29.5% |
| Participant deferral / active EE | $7,116 | $6,468+10.0% | $5,601+27.0% | $6,400+11.2% |
| Admin fee / account holder | $2,708 | $13,588-80.1% | $10,326-73.8% | $11,427-76.3% |