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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 | $189,589 | $77,472+144.7% | $100,392+88.8% | $80,935+134.2% |
| Participation rate | 42.9% | 76.9%-34.1pp | 81.5%-38.6pp | 67.7%-24.8pp |
| Annual return | 15.33% | 37.26%-21.9pp | 49.45%-34.1pp | 35.66%-20.3pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,941-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,176 | $6,818-38.8% | $8,090-48.4% | $4,299-2.9% |
| Admin fee / account holder | $42,036 | $5,885+614.3% | $7,904+431.8% | $6,924+507.1% |