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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 | $164,678 | $86,949+89.4% | $102,460+60.7% | $80,959+103.4% |
| Participation rate | 38.7% | 72.4%-33.7pp | 76.5%-37.8pp | 67.7%-29.0pp |
| Annual return | 14.39% | 18.89%-4.5pp | 29.47%-15.1pp | 35.67%-21.3pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,025-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,509 | $4,121-39.1% | $5,056-50.4% | $4,300-41.6% |
| Admin fee / account holder | $38,107 | $8,048+373.5% | $9,460+302.8% | $6,925+450.3% |