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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 | $165,193 | $59,813+176.2% | $79,580+107.6% | $68,486+141.2% |
| Participation rate | 58.1% | 61.1%-3.0pp | 69.5%-11.4pp | 67.9%-9.8pp |
| Annual return | -15.97% | -12.30%-3.7pp | 0.15%-16.1pp | -7.85%-8.1pp |
| Employer contribution / active EE | $2,450 | $1,505+62.7% | $2,413+1.5% | $2,597-5.7% |
| Participant deferral / active EE | $3,884 | $3,024+28.4% | $3,985-2.5% | $4,028-3.6% |
| Admin fee / account holder | $1,589 | $4,835-67.1% | $6,835-76.7% | $5,404-70.6% |