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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 | $129,597 | $77,817+66.5% | $123,553+4.9% | $64,173+101.9% |
| Participation rate | 60.0% | 74.7%-14.7pp | 82.3%-22.3pp | 69.6%-9.6pp |
| Annual return | -5.85% | 12.49%-18.3pp | 119.21%-125.1pp | 7.63%-13.5pp |
| Employer contribution / active EE | $1,903 | $3,014-36.9% | $4,628-58.9% | $2,381-20.1% |
| Participant deferral / active EE | $3,856 | $5,240-26.4% | $6,426-40.0% | $3,470+11.1% |
| Admin fee / account holder | $6,332 | $5,519+14.7% | $9,284-31.8% | $4,887+29.6% |