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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 | $170,474 | $64,719+163.4% | $112,249+51.9% | $68,486+148.9% |
| Participation rate | 56.8% | 67.2%-10.3pp | 75.1%-18.2pp | 67.9%-11.1pp |
| Annual return | -17.11% | -11.40%-5.7pp | 27.48%-44.6pp | -7.85%-9.3pp |
| Employer contribution / active EE | $2,475 | $2,747-9.9% | $3,636-31.9% | $2,597-4.7% |
| Participant deferral / active EE | $5,789 | $3,565+62.4% | $4,729+22.4% | $4,028+43.7% |
| Admin fee / account holder | $23,775 | $5,232+354.4% | $6,412+270.8% | $5,404+340.0% |