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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 | $77,523+144.6% | $100,383+88.9% | $80,874+134.4% |
| Participation rate | 42.9% | 77.0%-34.1pp | 81.5%-38.6pp | 67.6%-24.8pp |
| Annual return | 15.33% | 37.21%-21.9pp | 49.26%-33.9pp | 35.62%-20.3pp |
| Employer contribution / active EE | $0 | $2,801-100.0% | $3,944-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $4,176 | $6,822-38.8% | $8,086-48.4% | $4,297-2.8% |
| Admin fee / account holder | $42,036 | $5,899+612.6% | $7,900+432.1% | $6,935+506.1% |