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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 | $105,096 | $72,388+45.2% | $111,392-5.7% | $64,173+63.8% |
| Participation rate | 65.9% | 70.5%-4.6pp | 78.9%-13.0pp | 69.6%-3.7pp |
| Annual return | -4.90% | -1.50%-3.4pp | -2.06%-2.8pp | 7.63%-12.5pp |
| Employer contribution / active EE | $2,421 | $3,000-19.3% | $4,328-44.1% | $2,381+1.7% |
| Participant deferral / active EE | $7,388 | $4,241+74.2% | $5,567+32.7% | $3,470+112.9% |
| Admin fee / account holder | $10,369 | $5,719+81.3% | $12,266-15.5% | $4,887+112.2% |