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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 | $163,075 | $64,719+152.0% | $112,249+45.3% | $68,486+138.1% |
| Participation rate | 50.0% | 67.2%-17.2pp | 75.1%-25.1pp | 67.9%-17.9pp |
| Annual return | -16.03% | -11.40%-4.6pp | 27.48%-43.5pp | -7.85%-8.2pp |
| Employer contribution / active EE | $2,558 | $2,747-6.9% | $3,636-29.7% | $2,597-1.5% |
| Participant deferral / active EE | $5,067 | $3,565+42.1% | $4,729+7.2% | $4,028+25.8% |
| Admin fee / account holder | $4,969 | $5,232-5.0% | $6,412-22.5% | $5,404-8.0% |