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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 | $194,094 | $64,729+199.9% | $112,263+72.9% | $68,490+183.4% |
| Participation rate | 26.6% | 67.2%-40.6pp | 75.1%-48.5pp | 67.9%-41.3pp |
| Annual return | -12.87% | -11.40%-1.5pp | 27.49%-40.4pp | -7.85%-5.0pp |
| Employer contribution / active EE | $1,229 | $2,746-55.2% | $3,636-66.2% | $2,597-52.7% |
| Participant deferral / active EE | $2,643 | $3,566-25.9% | $4,729-44.1% | $4,028-34.4% |
| Admin fee / account holder | $1,403 | $5,222-73.1% | $6,410-78.1% | $5,403-74.0% |