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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 | $159,407 | $81,870+94.7% | $119,634+33.2% | $68,490+132.7% |
| Participation rate | 63.0% | 71.9%-8.9pp | 79.3%-16.3pp | 67.9%-4.9pp |
| Annual return | -15.30% | -23.82%+8.5pp | -14.98%-0.3pp | -7.85%-7.4pp |
| Employer contribution / active EE | $1,783 | $2,692-33.7% | $4,232-57.9% | $2,597-31.3% |
| Participant deferral / active EE | $14,274 | $4,148+244.1% | $5,601+154.8% | $4,028+254.4% |
| Admin fee / account holder | $8,593 | $6,583+30.5% | $10,329-16.8% | $5,403+59.0% |