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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 | $139,836 | $48,267+189.7% | $68,808+103.2% | $68,486+104.2% |
| Participation rate | 68.7% | 60.7%+8.0pp | 69.0%-0.4pp | 67.9%+0.8pp |
| Annual return | -18.09% | -12.70%-5.4pp | -6.37%-11.7pp | -7.85%-10.2pp |
| Employer contribution / active EE | $2,916 | $1,829+59.4% | $2,656+9.8% | $2,597+12.3% |
| Participant deferral / active EE | $5,669 | $2,867+97.7% | $3,942+43.8% | $4,028+40.7% |
| Admin fee / account holder | $1,767 | $4,362-59.5% | $4,936-64.2% | $5,404-67.3% |