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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 | $100,506 | $50,947+97.3% | $74,551+34.8% | $64,173+56.6% |
| Participation rate | 66.0% | 61.1%+4.9pp | 69.1%-3.2pp | 69.6%-3.6pp |
| Annual return | -5.39% | -1.85%-3.5pp | 32.53%-37.9pp | 7.63%-13.0pp |
| Employer contribution / active EE | $1,970 | $1,115+76.7% | $1,961+0.5% | $2,381-17.2% |
| Participant deferral / active EE | $3,785 | $2,302+64.4% | $3,108+21.8% | $3,470+9.1% |
| Admin fee / account holder | $3,401 | $4,221-19.4% | $5,059-32.8% | $4,887-30.4% |