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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 | $97,863 | $71,873+36.2% | $86,698+12.9% | $68,490+42.9% |
| Participation rate | 64.4% | 72.2%-7.8pp | 76.6%-12.2pp | 67.9%-3.5pp |
| Annual return | -17.03% | 3.54%-20.6pp | 35.96%-53.0pp | -7.85%-9.2pp |
| Employer contribution / active EE | $3,444 | $2,173+58.5% | $2,837+21.4% | $2,597+32.6% |
| Participant deferral / active EE | $3,162 | $3,779-16.3% | $4,656-32.1% | $4,028-21.5% |
| Admin fee / account holder | $13,261 | $6,110+117.0% | $7,492+77.0% | $5,403+145.4% |