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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 | $144,712 | $48,264+199.8% | $68,790+110.4% | $68,498+111.3% |
| Participation rate | 58.3% | 60.7%-2.3pp | 69.0%-10.7pp | 67.9%-9.6pp |
| Annual return | -14.78% | -12.70%-2.1pp | -6.38%-8.4pp | -7.84%-6.9pp |
| Employer contribution / active EE | $2,264 | $1,829+23.8% | $2,655-14.7% | $2,596-12.8% |
| Participant deferral / active EE | $5,723 | $2,867+99.6% | $3,941+45.2% | $4,027+42.1% |
| Admin fee / account holder | $12,181 | $4,360+179.4% | $4,934+146.9% | $5,403+125.5% |