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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 | $144,605 | $48,267+199.6% | $68,808+110.2% | $68,486+111.1% |
| Participation rate | 62.5% | 60.7%+1.8pp | 69.0%-6.5pp | 67.9%-5.4pp |
| Annual return | -15.64% | -12.70%-2.9pp | -6.37%-9.3pp | -7.85%-7.8pp |
| Employer contribution / active EE | $1,497 | $1,829-18.2% | $2,656-43.6% | $2,597-42.4% |
| Participant deferral / active EE | $5,681 | $2,867+98.2% | $3,942+44.1% | $4,028+41.1% |
| Admin fee / account holder | $3,579 | $4,362-18.0% | $4,936-27.5% | $5,404-33.8% |