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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 | $145,853 | $56,339+158.9% | $104,301+39.8% | $68,495+112.9% |
| Participation rate | 26.7% | 63.3%-36.6pp | 73.3%-46.6pp | 67.9%-41.2pp |
| Annual return | -16.50% | -9.19%-7.3pp | 24.61%-41.1pp | -7.84%-8.7pp |
| Employer contribution / active EE | $863 | $1,960-56.0% | $3,373-74.4% | $2,596-66.8% |
| Participant deferral / active EE | $1,718 | $3,077-44.2% | $4,626-62.9% | $4,028-57.3% |
| Admin fee / account holder | $7,641 | $4,902+55.9% | $7,340+4.1% | $5,403+41.4% |