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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 | $195,485 | $73,009+167.8% | $90,760+115.4% | $68,486+185.4% |
| Participation rate | 46.7% | 70.8%-24.2pp | 75.7%-29.0pp | 67.9%-21.2pp |
| Annual return | -14.64% | -13.81%-0.8pp | -12.16%-2.5pp | -7.85%-6.8pp |
| Employer contribution / active EE | $655 | $2,193-70.1% | $2,922-77.6% | $2,597-74.8% |
| Participant deferral / active EE | $11,932 | $3,626+229.1% | $4,565+161.4% | $4,028+196.3% |
| Admin fee / account holder | $17,363 | $5,896+194.5% | $8,444+105.6% | $5,404+221.3% |