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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 | $114,863 | $48,235+138.1% | $68,803+66.9% | $68,490+67.7% |
| Participation rate | 58.1% | 60.7%-2.6pp | 69.0%-11.0pp | 67.9%-9.8pp |
| Annual return | -15.23% | -12.70%-2.5pp | -6.37%-8.9pp | -7.85%-7.4pp |
| Employer contribution / active EE | $2,090 | $1,829+14.3% | $2,656-21.3% | $2,597-19.5% |
| Participant deferral / active EE | $4,199 | $2,867+46.5% | $3,942+6.5% | $4,028+4.3% |
| Admin fee / account holder | $37,158 | $4,361+752.0% | $4,936+652.8% | $5,403+587.7% |