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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 | $118,855 | $64,729+83.6% | $112,263+5.9% | $68,490+73.5% |
| Participation rate | 67.6% | 67.2%+0.5pp | 75.1%-7.4pp | 67.9%-0.2pp |
| Annual return | -11.33% | -11.40%+0.1pp | 27.49%-38.8pp | -7.85%-3.5pp |
| Employer contribution / active EE | $2,401 | $2,746-12.5% | $3,636-34.0% | $2,597-7.5% |
| Participant deferral / active EE | $4,655 | $3,566+30.6% | $4,729-1.6% | $4,028+15.6% |
| Admin fee / account holder | $5,536 | $5,222+6.0% | $6,410-13.6% | $5,403+2.5% |