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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 | $161,508 | $73,863+118.7% | $143,797+12.3% | $68,490+135.8% |
| Participation rate | 69.0% | 66.7%+2.3pp | 80.3%-11.4pp | 67.9%+1.1pp |
| Annual return | -19.10% | 0.91%-20.0pp | -0.04%-19.1pp | -7.85%-11.2pp |
| Employer contribution / active EE | $1,165 | $3,185-63.4% | $4,952-76.5% | $2,597-55.1% |
| Participant deferral / active EE | $2,230 | $3,385-34.1% | $5,638-60.5% | $4,028-44.6% |
| Admin fee / account holder | $4,358 | $5,756-24.3% | $14,679-70.3% | $5,403-19.3% |