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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 | $111,098 | $73,848+50.4% | $143,799-22.7% | $68,486+62.2% |
| Participation rate | 58.1% | 66.7%-8.6pp | 80.3%-22.3pp | 67.9%-9.8pp |
| Annual return | -19.00% | 0.91%-19.9pp | -0.04%-19.0pp | -7.85%-11.1pp |
| Employer contribution / active EE | $3,909 | $3,184+22.8% | $4,952-21.1% | $2,597+50.6% |
| Participant deferral / active EE | $8,169 | $3,385+141.4% | $5,638+44.9% | $4,028+102.8% |
| Admin fee / account holder | $5,644 | $5,755-1.9% | $14,677-61.5% | $5,404+4.4% |