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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 | $145,864 | $71,872+103.0% | $86,691+68.3% | $68,495+113.0% |
| Participation rate | 40.4% | 72.2%-31.9pp | 76.6%-36.2pp | 67.9%-27.5pp |
| Annual return | -11.50% | 3.53%-15.0pp | 35.94%-47.4pp | -7.84%-3.7pp |
| Employer contribution / active EE | $985 | $2,173-54.7% | $2,837-65.3% | $2,596-62.1% |
| Participant deferral / active EE | $3,624 | $3,779-4.1% | $4,656-22.2% | $4,028-10.0% |
| Admin fee / account holder | $8,812 | $6,112+44.2% | $7,492+17.6% | $5,403+63.1% |