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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 | $140,609 | $64,729+117.2% | $112,263+25.2% | $68,490+105.3% |
| Participation rate | 69.8% | 67.2%+2.6pp | 75.1%-5.3pp | 67.9%+1.9pp |
| Annual return | -13.70% | -11.40%-2.3pp | 27.49%-41.2pp | -7.85%-5.8pp |
| Employer contribution / active EE | $865 | $2,746-68.5% | $3,636-76.2% | $2,597-66.7% |
| Participant deferral / active EE | $7,049 | $3,566+97.7% | $4,729+49.1% | $4,028+75.0% |
| Admin fee / account holder | $40,045 | $5,222+666.9% | $6,410+524.7% | $5,403+641.2% |