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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 | $129,817 | $57,057+127.5% | $85,009+52.7% | $80,874+60.5% |
| Participation rate | 51.7% | 56.4%-4.6pp | 67.5%-15.8pp | 67.6%-15.9pp |
| Annual return | 12.61% | 21.66%-9.1pp | 66.47%-53.9pp | 35.62%-23.0pp |
| Employer contribution / active EE | $0 | $1,799-100.0% | $2,728-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $5,146 | $3,112+65.4% | $4,522+13.8% | $4,297+19.8% |
| Admin fee / account holder | $33,147 | $4,986+564.8% | $6,153+438.8% | $6,935+378.0% |