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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 | $86,940+89.4% | $102,434+60.8% | $80,935+103.5% |
| Participation rate | 38.7% | 72.4%-33.7pp | 76.5%-37.8pp | 67.7%-29.0pp |
| Annual return | 14.39% | 18.89%-4.5pp | 29.46%-15.1pp | 35.66%-21.3pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,023-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,509 | $4,121-39.1% | $5,055-50.4% | $4,299-41.6% |
| Admin fee / account holder | $38,107 | $8,047+373.6% | $9,462+302.7% | $6,924+450.3% |