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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 | $118,650 | $94,031+26.2% | $115,768+2.5% | $82,448+43.9% |
| Participation rate | 25.5% | 70.4%-44.9pp | 74.4%-48.9pp | 68.1%-42.5pp |
| Annual return | 14.03% | 20.61%-6.6pp | 100.46%-86.4pp | 41.64%-27.6pp |
| Employer contribution / active EE | $0 | $2,323-100.0% | $2,940-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,723 | $3,972-56.6% | $4,917-65.0% | $4,139-58.4% |
| Admin fee / account holder | $3,172 | $10,249-69.1% | $12,439-74.5% | $7,234-56.2% |