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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 | $124,480 | $110,083+13.1% | $151,645-17.9% | $68,490+81.7% |
| Participation rate | 40.7% | 84.0%-43.2pp | 87.5%-46.8pp | 67.9%-27.2pp |
| Annual return | 0.99% | -10.12%+11.1pp | 3.34%-2.4pp | -7.85%+8.8pp |
| Employer contribution / active EE | $1,892 | $4,470-57.7% | $6,165-69.3% | $2,597-27.1% |
| Participant deferral / active EE | $6,472 | $6,526-0.8% | $8,363-22.6% | $4,028+60.7% |
| Admin fee / account holder | $1,191 | $7,718-84.6% | $11,614-89.7% | $5,403-78.0% |