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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 | $122,347 | $45,566+168.5% | $64,105+90.9% | $59,633+105.2% |
| Participation rate | 68.5% | 60.2%+8.3pp | 68.2%+0.3pp | 68.7%-0.2pp |
| Annual return | -2.78% | 4.95%-7.7pp | 791.24%-794.0pp | 2041.40%-2044.2pp |
| Employer contribution / active EE | $796 | $934-14.8% | $1,820-56.3% | $2,203-63.9% |
| Participant deferral / active EE | $3,724 | $2,057+81.1% | $2,822+32.0% | $3,192+16.7% |
| Admin fee / account holder | $1,697 | $3,268-48.0% | $4,499-62.3% | $4,297-60.5% |