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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 | $118,690 | $81,870+45.0% | $119,622-0.8% | $68,486+73.3% |
| Participation rate | 61.7% | 71.9%-10.2pp | 79.3%-17.5pp | 67.9%-6.2pp |
| Annual return | -16.48% | -23.82%+7.3pp | -14.98%-1.5pp | -7.85%-8.6pp |
| Employer contribution / active EE | $4,672 | $2,692+73.6% | $4,232+10.4% | $2,597+79.9% |
| Participant deferral / active EE | $6,617 | $4,148+59.5% | $5,601+18.1% | $4,028+64.3% |
| Admin fee / account holder | $5,612 | $6,583-14.7% | $10,328-45.7% | $5,404+3.9% |