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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 | $225,487 | $87,544+157.6% | $75,784+197.5% | $125,388+79.8% |
| Participation rate | 57.1% | 80.2%-23.0pp | 75.8%-18.7pp | 83.2%-26.0pp |
| Annual return | -3.47% | 13.49%-17.0pp | 9.68%-13.2pp | 282.24%-285.7pp |
| Employer contribution / active EE | $2,488 | $3,930-36.7% | $3,323-25.1% | $4,866-48.9% |
| Participant deferral / active EE | $1,513 | $4,229-64.2% | $3,652-58.6% | $5,352-71.7% |
| Admin fee / account holder | $3,710 | $6,502-42.9% | $5,300-30.0% | $9,541-61.1% |