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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 | $136,624 | $73,787+85.2% | $98,716+38.4% | $82,448+65.7% |
| Participation rate | 14.9% | 61.4%-46.5pp | 69.3%-54.4pp | 68.1%-53.1pp |
| Annual return | 12.67% | 18.57%-5.9pp | 31.81%-19.1pp | 41.64%-29.0pp |
| Employer contribution / active EE | $0 | $1,511-100.0% | $2,279-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,319 | $3,081-57.2% | $4,048-67.4% | $4,139-68.1% |
| Admin fee / account holder | $27,091 | $6,500+316.8% | $8,703+211.3% | $7,234+274.5% |