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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 | $105,891 | $64,719+63.6% | $112,249-5.7% | $68,486+54.6% |
| Participation rate | 60.5% | 67.2%-6.6pp | 75.1%-14.5pp | 67.9%-7.4pp |
| Annual return | -15.52% | -11.40%-4.1pp | 27.48%-43.0pp | -7.85%-7.7pp |
| Employer contribution / active EE | $4,410 | $2,747+60.5% | $3,636+21.3% | $2,597+69.8% |
| Participant deferral / active EE | $3,007 | $3,565-15.7% | $4,729-36.4% | $4,028-25.4% |
| Admin fee / account holder | $4,869 | $5,232-6.9% | $6,412-24.1% | $5,404-9.9% |