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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 | $152,642 | $64,729+135.8% | $112,263+36.0% | $68,490+122.9% |
| Participation rate | 45.5% | 67.2%-21.7pp | 75.1%-29.6pp | 67.9%-22.4pp |
| Annual return | -15.70% | -11.40%-4.3pp | 27.49%-43.2pp | -7.85%-7.8pp |
| Employer contribution / active EE | $1,297 | $2,746-52.8% | $3,636-64.3% | $2,597-50.1% |
| Participant deferral / active EE | $3,956 | $3,566+11.0% | $4,729-16.3% | $4,028-1.8% |
| Admin fee / account holder | $649 | $5,222-87.6% | $6,410-89.9% | $5,403-88.0% |