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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 | $175,686 | $76,407+129.9% | $150,298+16.9% | $82,448+113.1% |
| Participation rate | 58.8% | 66.4%-7.6pp | 77.8%-19.0pp | 68.1%-9.3pp |
| Annual return | 15.69% | 39.99%-24.3pp | 62.79%-47.1pp | 41.64%-25.9pp |
| Employer contribution / active EE | $0 | $2,614-100.0% | $4,154-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $5,057 | $3,214+57.3% | $5,453-7.2% | $4,139+22.2% |
| Admin fee / account holder | $6,997 | $6,352+10.2% | $14,116-50.4% | $7,234-3.3% |