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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 | $139,448 | $93,617+49.0% | $135,982+2.5% | $75,177+85.5% |
| Participation rate | 52.0% | 75.2%-23.2pp | 81.9%-29.9pp | 67.2%-15.2pp |
| Annual return | 16.03% | 30.89%-14.9pp | 68.32%-52.3pp | 160.75%-144.7pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $5,429 | $6,406-15.3% | $7,760-30.0% | $4,126+31.6% |
| Admin fee / account holder | $31,178 | $6,980+346.7% | $10,767+189.6% | $5,651+451.7% |