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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 | $203,802 | $53,162+283.4% | $91,225+123.4% | $68,495+197.5% |
| Participation rate | 48.0% | 63.2%-15.2pp | 73.2%-25.2pp | 67.9%-19.9pp |
| Annual return | 0.33% | -3.14%+3.5pp | 114.10%-113.8pp | -7.84%+8.2pp |
| Employer contribution / active EE | $444 | $1,709-74.0% | $2,851-84.4% | $2,596-82.9% |
| Participant deferral / active EE | $1,887 | $2,974-36.5% | $4,234-55.4% | $4,028-53.1% |
| Admin fee / account holder | $2,230 | $4,493-50.4% | $5,422-58.9% | $5,403-58.7% |