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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 | $246,239 | $73,863+233.4% | $143,797+71.2% | $68,490+259.5% |
| Participation rate | 69.0% | 66.7%+2.4pp | 80.3%-11.3pp | 67.9%+1.2pp |
| Annual return | -12.56% | 0.91%-13.5pp | -0.04%-12.5pp | -7.85%-4.7pp |
| Employer contribution / active EE | $0 | $3,185-100.0% | $4,952-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $4,984 | $3,385+47.2% | $5,638-11.6% | $4,028+23.7% |
| Admin fee / account holder | $7,677 | $5,756+33.4% | $14,679-47.7% | $5,403+42.1% |