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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 | $193,320 | $67,411+186.8% | $91,004+112.4% | $70,126+175.7% |
| Participation rate | 51.4% | 71.4%-19.9pp | 75.6%-24.2pp | 69.5%-18.1pp |
| Annual return | 12.97% | -40.16%+53.1pp | 4.60%+8.4pp | 73.15%-60.2pp |
| Employer contribution / active EE | $469 | $1,786-73.7% | $2,456-80.9% | $2,343-80.0% |
| Participant deferral / active EE | $8,354 | $2,823+196.0% | $3,548+135.5% | $3,332+150.7% |
| Admin fee / account holder | $1,170 | $4,236-72.4% | $5,417-78.4% | $4,645-74.8% |