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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 | $110,168 | $59,813+84.2% | $79,580+38.4% | $68,486+60.9% |
| Participation rate | 58.0% | 61.1%-3.0pp | 69.5%-11.5pp | 67.9%-9.9pp |
| Annual return | -13.95% | -12.30%-1.7pp | 0.15%-14.1pp | -7.85%-6.1pp |
| Employer contribution / active EE | $2,040 | $1,505+35.5% | $2,413-15.5% | $2,597-21.4% |
| Participant deferral / active EE | $3,277 | $3,024+8.4% | $3,985-17.8% | $4,028-18.6% |
| Admin fee / account holder | $7,507 | $4,835+55.3% | $6,835+9.8% | $5,404+38.9% |