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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 | $108,922 | $50,947+113.8% | $74,551+46.1% | $64,173+69.7% |
| Participation rate | 60.7% | 61.1%-0.3pp | 69.1%-8.4pp | 69.6%-8.9pp |
| Annual return | -7.78% | -1.85%-5.9pp | 32.53%-40.3pp | 7.63%-15.4pp |
| Employer contribution / active EE | $1,840 | $1,115+64.9% | $1,961-6.2% | $2,381-22.7% |
| Participant deferral / active EE | $3,146 | $2,302+36.7% | $3,108+1.2% | $3,470-9.3% |
| Admin fee / account holder | $2,312 | $4,221-45.2% | $5,059-54.3% | $4,887-52.7% |