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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 | $220,208 | $167,504+31.5% | $151,628+45.2% | $134,509+63.7% |
| Participation rate | 66.7% | 88.4%-21.7pp | 87.5%-20.8pp | 81.2%-14.6pp |
| Annual return | -17.21% | 7.81%-25.0pp | 3.34%-20.5pp | 418.13%-435.3pp |
| Employer contribution / active EE | $3,941 | $6,828-42.3% | $6,165-36.1% | $4,741-16.9% |
| Participant deferral / active EE | $9,269 | $8,985+3.2% | $8,363+10.8% | $6,400+44.8% |
| Admin fee / account holder | $3,528 | $13,779-74.4% | $11,613-69.6% | $11,427-69.1% |