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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 | $106,331 | $73,848+44.0% | $143,799-26.1% | $68,486+55.3% |
| Participation rate | 69.2% | 66.7%+2.6pp | 80.3%-11.1pp | 67.9%+1.3pp |
| Annual return | -14.55% | 0.91%-15.5pp | -0.04%-14.5pp | -7.85%-6.7pp |
| Employer contribution / active EE | $1,806 | $3,184-43.3% | $4,952-63.5% | $2,597-30.5% |
| Participant deferral / active EE | $3,116 | $3,385-7.9% | $5,638-44.7% | $4,028-22.6% |
| Admin fee / account holder | $5,670 | $5,755-1.5% | $14,677-61.4% | $5,404+4.9% |