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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 | $148,260 | $45,872+223.2% | $77,096+92.3% | $68,486+116.5% |
| Participation rate | 44.7% | 55.9%-11.2pp | 67.9%-23.2pp | 67.9%-23.2pp |
| Annual return | -10.61% | 1.73%-12.3pp | 42.35%-53.0pp | -7.85%-2.8pp |
| Employer contribution / active EE | $2,103 | $1,650+27.5% | $2,814-25.3% | $2,597-19.0% |
| Participant deferral / active EE | $3,471 | $2,963+17.2% | $4,429-21.6% | $4,028-13.8% |
| Admin fee / account holder | $2,093 | $3,041-31.2% | $5,428-61.4% | $5,404-61.3% |