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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 | $127,186 | $72,404+75.7% | $110,241+15.4% | $64,181+98.2% |
| Participation rate | 67.5% | 73.3%-5.8pp | 79.8%-12.3pp | 69.6%-2.1pp |
| Annual return | -4.88% | -6.29%+1.4pp | 314.75%-319.6pp | 7.63%-12.5pp |
| Employer contribution / active EE | $2,503 | $2,282+9.7% | $3,827-34.6% | $2,381+5.1% |
| Participant deferral / active EE | $4,781 | $3,469+37.8% | $4,672+2.3% | $3,470+37.8% |
| Admin fee / account holder | $8,921 | $5,664+57.5% | $8,548+4.4% | $4,887+82.5% |