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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 | $85,811 | $102,422-16.2% | $147,117-41.7% | $80,959+6.0% |
| Participation rate | 33.3% | 75.9%-42.5pp | 82.2%-48.9pp | 67.7%-34.3pp |
| Annual return | 14.28% | 135.16%-120.9pp | 420.54%-406.3pp | 35.67%-21.4pp |
| Employer contribution / active EE | $0 | $3,717-100.0% | $4,932-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $5,476 | $6,652-17.7% | $8,065-32.1% | $4,300+27.3% |
| Admin fee / account holder | $2,891 | $7,953-63.7% | $12,993-77.7% | $6,925-58.3% |