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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 | $123,344 | $59,191+108.4% | $76,767+60.7% | $56,289+119.1% |
| Participation rate | 62.6% | 75.2%-12.6pp | 77.0%-14.3pp | 69.9%-7.2pp |
| Annual return | -5.65% | 6.62%-12.3pp | 2.43%-8.1pp | -9.96%+4.3pp |
| Employer contribution / active EE | $1,843 | $1,759+4.8% | $2,485-25.9% | $2,111-12.7% |
| Participant deferral / active EE | $3,631 | $3,255+11.5% | $3,852-5.7% | $3,350+8.4% |
| Admin fee / account holder | $2,847 | $489+481.9% | $6,675-57.4% | $521+446.4% |