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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 | $135,482 | $84,236+60.8% | $170,435-20.5% | $70,126+93.2% |
| Participation rate | 57.3% | 70.8%-13.5pp | 83.6%-26.3pp | 69.5%-12.2pp |
| Annual return | 15.91% | 23.06%-7.2pp | 205.94%-190.0pp | 73.15%-57.2pp |
| Employer contribution / active EE | $0 | $3,387-100.0% | $5,432-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $3,567 | $3,086+15.6% | $4,939-27.8% | $3,332+7.1% |
| Admin fee / account holder | $15,030 | $5,698+163.8% | $13,881+8.3% | $4,645+223.5% |