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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 | $93,868 | $64,729+45.0% | $112,263-16.4% | $68,490+37.1% |
| Participation rate | 61.5% | 67.2%-5.6pp | 75.1%-13.5pp | 67.9%-6.4pp |
| Annual return | -11.26% | -11.40%+0.1pp | 27.49%-38.8pp | -7.85%-3.4pp |
| Employer contribution / active EE | $2,093 | $2,746-23.8% | $3,636-42.4% | $2,597-19.4% |
| Participant deferral / active EE | $4,078 | $3,566+14.4% | $4,729-13.8% | $4,028+1.3% |
| Admin fee / account holder | $17,957 | $5,222+243.9% | $6,410+180.1% | $5,403+232.4% |