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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 | $143,711 | $64,719+122.1% | $112,249+28.0% | $68,486+109.8% |
| Participation rate | 63.0% | 67.2%-4.2pp | 75.1%-12.1pp | 67.9%-4.9pp |
| Annual return | -16.81% | -11.40%-5.4pp | 27.48%-44.3pp | -7.85%-9.0pp |
| Employer contribution / active EE | $3,543 | $2,747+29.0% | $3,636-2.6% | $2,597+36.4% |
| Participant deferral / active EE | $3,365 | $3,565-5.6% | $4,729-28.8% | $4,028-16.5% |
| Admin fee / account holder | $7,981 | $5,232+52.5% | $6,412+24.5% | $5,404+47.7% |