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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 | $117,560 | $73,848+59.2% | $143,799-18.2% | $68,486+71.7% |
| Participation rate | 56.8% | 66.7%-9.9pp | 80.3%-23.6pp | 67.9%-11.1pp |
| Annual return | -15.81% | 0.91%-16.7pp | -0.04%-15.8pp | -7.85%-8.0pp |
| Employer contribution / active EE | $1,789 | $3,184-43.8% | $4,952-63.9% | $2,597-31.1% |
| Participant deferral / active EE | $4,981 | $3,385+47.2% | $5,638-11.7% | $4,028+23.7% |
| Admin fee / account holder | $11,641 | $5,755+102.3% | $14,677-20.7% | $5,404+115.4% |