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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 | $218,310 | $81,870+166.7% | $119,608+82.5% | $68,495+218.7% |
| Participation rate | 38.9% | 71.9%-33.0pp | 79.3%-40.4pp | 67.9%-29.0pp |
| Annual return | -16.93% | -23.82%+6.9pp | -14.98%-2.0pp | -7.84%-9.1pp |
| Employer contribution / active EE | $1,498 | $2,692-44.4% | $4,232-64.6% | $2,596-42.3% |
| Participant deferral / active EE | $3,411 | $4,148-17.8% | $5,601-39.1% | $4,028-15.3% |
| Admin fee / account holder | $32,586 | $6,583+395.0% | $10,326+215.6% | $5,403+503.1% |