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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 | $165,506 | $81,870+102.2% | $119,622+38.4% | $68,486+141.7% |
| Participation rate | 66.7% | 71.9%-5.2pp | 79.3%-12.6pp | 67.9%-1.2pp |
| Annual return | -6.28% | -23.82%+17.5pp | -14.98%+8.7pp | -7.85%+1.6pp |
| Employer contribution / active EE | $2,500 | $2,692-7.1% | $4,232-40.9% | $2,597-3.7% |
| Participant deferral / active EE | $4,386 | $4,148+5.7% | $5,601-21.7% | $4,028+8.9% |
| Admin fee / account holder | $5,482 | $6,583-16.7% | $10,328-46.9% | $5,404+1.5% |