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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 | $86,989 | $52,279+66.4% | $89,435-2.7% | $79,856+8.9% |
| Participation rate | 14.8% | 57.5%-42.7pp | 68.0%-53.2pp | 69.6%-54.8pp |
| Annual return | 18.71% | 22.16%-3.5pp | 245.55%-226.8pp | 31.71%-13.0pp |
| Employer contribution / active EE | $0 | $1,572-100.0% | $2,587-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,029 | $2,740-62.5% | $3,890-73.6% | $3,741-72.5% |
| Admin fee / account holder | $1,659 | $3,356-50.6% | $4,884-66.0% | $5,306-68.7% |