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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 | $135,985 | $64,719+110.1% | $112,249+21.1% | $68,486+98.6% |
| Participation rate | 66.7% | 67.2%-0.5pp | 75.1%-8.4pp | 67.9%-1.2pp |
| Annual return | -12.85% | -11.40%-1.4pp | 27.48%-40.3pp | -7.85%-5.0pp |
| Employer contribution / active EE | $1,789 | $2,747-34.9% | $3,636-50.8% | $2,597-31.1% |
| Participant deferral / active EE | $3,020 | $3,565-15.3% | $4,729-36.1% | $4,028-25.0% |
| Admin fee / account holder | $3,059 | $5,232-41.5% | $6,412-52.3% | $5,404-43.4% |