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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 | $124,126 | $59,813+107.5% | $79,580+56.0% | $68,486+81.2% |
| Participation rate | 58.1% | 61.1%-3.0pp | 69.5%-11.4pp | 67.9%-9.8pp |
| Annual return | -15.69% | -12.30%-3.4pp | 0.15%-15.8pp | -7.85%-7.8pp |
| Employer contribution / active EE | $970 | $1,505-35.6% | $2,413-59.8% | $2,597-62.7% |
| Participant deferral / active EE | $4,848 | $3,024+60.3% | $3,985+21.7% | $4,028+20.4% |
| Admin fee / account holder | $853 | $4,835-82.4% | $6,835-87.5% | $5,404-84.2% |