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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 | $129,733 | $77,817+66.7% | $123,553+5.0% | $64,173+102.2% |
| Participation rate | 68.4% | 74.7%-6.3pp | 82.3%-13.9pp | 69.6%-1.1pp |
| Annual return | -8.04% | 12.49%-20.5pp | 119.21%-127.2pp | 7.63%-15.7pp |
| Employer contribution / active EE | $3,591 | $3,014+19.2% | $4,628-22.4% | $2,381+50.8% |
| Participant deferral / active EE | $5,559 | $5,240+6.1% | $6,426-13.5% | $3,470+60.2% |
| Admin fee / account holder | $4,046 | $5,519-26.7% | $9,284-56.4% | $4,887-17.2% |