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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 | $103,617 | $48,267+114.7% | $68,808+50.6% | $68,486+51.3% |
| Participation rate | 66.7% | 60.7%+6.0pp | 69.0%-2.4pp | 67.9%-1.2pp |
| Annual return | -17.41% | -12.70%-4.7pp | -6.37%-11.0pp | -7.85%-9.6pp |
| Employer contribution / active EE | $2,558 | $1,829+39.9% | $2,656-3.7% | $2,597-1.5% |
| Participant deferral / active EE | $4,280 | $2,867+49.3% | $3,942+8.6% | $4,028+6.3% |
| Admin fee / account holder | $538 | $4,362-87.7% | $4,936-89.1% | $5,404-90.0% |