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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 | $140,723 | $86,701+62.3% | $73,309+92.0% | $125,389+12.2% |
| Participation rate | 66.7% | 78.6%-11.9pp | 74.9%-8.2pp | 83.2%-16.5pp |
| Annual return | -2.75% | 2.78%-5.5pp | 5.67%-8.4pp | 282.24%-285.0pp |
| Employer contribution / active EE | $1,842 | $4,152-55.6% | $3,237-43.1% | $4,866-62.1% |
| Participant deferral / active EE | $5,867 | $5,549+5.7% | $4,991+17.5% | $5,352+9.6% |
| Admin fee / account holder | $995 | $7,768-87.2% | $5,635-82.4% | $9,541-89.6% |