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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 | $139,393 | $91,424+52.5% | $135,942+2.5% | $71,495+95.0% |
| Participation rate | 60.4% | 75.7%-15.3pp | 81.9%-21.6pp | 67.9%-7.6pp |
| Annual return | 19.22% | 29.90%-10.7pp | 68.28%-49.1pp | 28.85%-9.6pp |
| Employer contribution / active EE | $0 | $3,704-100.0% | $4,858-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $3,726 | $7,092-47.5% | $7,759-52.0% | $4,291-13.2% |
| Admin fee / account holder | $3,417 | $1,266+169.9% | $10,764-68.3% | $1,588+115.2% |