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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 | $233,931 | $211,946+10.4% | $169,452+38.1% | $135,379+72.8% |
| Participation rate | 50.0% | 82.6%-32.6pp | 77.8%-27.8pp | 82.6%-32.6pp |
| Annual return | -4.64% | 3.26%-7.9pp | 1.83%-6.5pp | 519.79%-524.4pp |
| Employer contribution / active EE | $3,190 | $5,117-37.7% | $4,157-23.3% | $4,779-33.3% |
| Participant deferral / active EE | $6,644 | $6,075+9.3% | $5,277+25.9% | $5,609+18.4% |
| Admin fee / account holder | $1,440 | $11,472-87.5% | $9,110-84.2% | $10,828-86.7% |