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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 | $127,984 | $71,872+78.1% | $86,691+47.6% | $68,495+86.9% |
| Participation rate | 68.0% | 72.2%-4.2pp | 76.6%-8.6pp | 67.9%+0.1pp |
| Annual return | -14.84% | 3.53%-18.4pp | 35.94%-50.8pp | -7.84%-7.0pp |
| Employer contribution / active EE | $2,627 | $2,173+20.9% | $2,837-7.4% | $2,596+1.2% |
| Participant deferral / active EE | $6,789 | $3,779+79.7% | $4,656+45.8% | $4,028+68.6% |
| Admin fee / account holder | $10,508 | $6,112+71.9% | $7,492+40.3% | $5,403+94.5% |