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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 | $129,508 | $73,863+75.3% | $143,797-9.9% | $68,490+89.1% |
| Participation rate | 52.4% | 66.7%-14.3pp | 80.3%-27.9pp | 67.9%-15.5pp |
| Annual return | -13.97% | 0.91%-14.9pp | -0.04%-13.9pp | -7.85%-6.1pp |
| Employer contribution / active EE | $2,148 | $3,185-32.6% | $4,952-56.6% | $2,597-17.3% |
| Participant deferral / active EE | $3,943 | $3,385+16.5% | $5,638-30.1% | $4,028-2.1% |
| Admin fee / account holder | $1,002 | $5,756-82.6% | $14,679-93.2% | $5,403-81.5% |