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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 | $232,934 | $59,834+289.3% | $79,576+192.7% | $68,495+240.1% |
| Participation rate | 50.0% | 61.1%-11.1pp | 69.5%-19.5pp | 67.9%-17.9pp |
| Annual return | -16.06% | -12.30%-3.8pp | 0.15%-16.2pp | -7.84%-8.2pp |
| Employer contribution / active EE | $1,603 | $1,505+6.5% | $2,413-33.6% | $2,596-38.3% |
| Participant deferral / active EE | $3,457 | $3,024+14.3% | $3,985-13.2% | $4,028-14.2% |
| Admin fee / account holder | $9,772 | $4,835+102.1% | $6,834+43.0% | $5,403+80.9% |