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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 | $134,202 | $48,267+178.0% | $68,808+95.0% | $68,486+96.0% |
| Participation rate | 58.6% | 60.7%-2.0pp | 69.0%-10.4pp | 67.9%-9.3pp |
| Annual return | -5.84% | -12.70%+6.9pp | -6.37%+0.5pp | -7.85%+2.0pp |
| Employer contribution / active EE | $1,237 | $1,829-32.3% | $2,656-53.4% | $2,597-52.3% |
| Participant deferral / active EE | $2,478 | $2,867-13.6% | $3,942-37.1% | $4,028-38.5% |
| Admin fee / account holder | $6,137 | $4,362+40.7% | $4,936+24.3% | $5,404+13.6% |