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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 | $119,524 | $77,816+53.6% | $123,549-3.3% | $64,181+86.2% |
| Participation rate | 69.0% | 74.7%-5.7pp | 82.3%-13.3pp | 69.6%-0.6pp |
| Annual return | -6.24% | 12.49%-18.7pp | 119.20%-125.4pp | 7.63%-13.9pp |
| Employer contribution / active EE | $2,492 | $3,014-17.3% | $4,628-46.2% | $2,381+4.7% |
| Participant deferral / active EE | $5,141 | $5,240-1.9% | $6,426-20.0% | $3,470+48.2% |
| Admin fee / account holder | $4,480 | $5,519-18.8% | $9,284-51.7% | $4,887-8.3% |