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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 | $104,097 | $45,872+126.9% | $77,096+35.0% | $68,486+52.0% |
| Participation rate | 61.5% | 55.9%+5.6pp | 67.9%-6.4pp | 67.9%-6.4pp |
| Annual return | -18.52% | 1.73%-20.2pp | 42.35%-60.9pp | -7.85%-10.7pp |
| Employer contribution / active EE | $3,035 | $1,650+84.0% | $2,814+7.8% | $2,597+16.9% |
| Participant deferral / active EE | $3,778 | $2,963+27.5% | $4,429-14.7% | $4,028-6.2% |
| Admin fee / account holder | $350 | $3,041-88.5% | $5,428-93.5% | $5,404-93.5% |