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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 | $160,688 | $81,870+96.3% | $119,622+34.3% | $68,486+134.6% |
| Participation rate | 61.1% | 71.9%-10.8pp | 79.3%-18.2pp | 67.9%-6.8pp |
| Annual return | -15.87% | -23.82%+8.0pp | -14.98%-0.9pp | -7.85%-8.0pp |
| Employer contribution / active EE | $1,761 | $2,692-34.6% | $4,232-58.4% | $2,597-32.2% |
| Participant deferral / active EE | $3,790 | $4,148-8.6% | $5,601-32.3% | $4,028-5.9% |
| Admin fee / account holder | $1,274 | $6,583-80.7% | $10,328-87.7% | $5,404-76.4% |