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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 | $147,989 | $56,339+162.7% | $104,301+41.9% | $68,495+116.1% |
| Participation rate | 55.2% | 63.3%-8.1pp | 73.3%-18.1pp | 67.9%-12.7pp |
| Annual return | -16.82% | -9.19%-7.6pp | 24.61%-41.4pp | -7.84%-9.0pp |
| Employer contribution / active EE | $1,181 | $1,960-39.7% | $3,373-65.0% | $2,596-54.5% |
| Participant deferral / active EE | $3,600 | $3,077+17.0% | $4,626-22.2% | $4,028-10.6% |
| Admin fee / account holder | $3,953 | $4,902-19.4% | $7,340-46.2% | $5,403-26.8% |