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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 | $180,263 | $100,194+79.9% | $122,979+46.6% | $86,983+107.2% |
| Participation rate | 43.9% | 73.0%-29.1pp | 77.2%-33.3pp | 69.5%-25.6pp |
| Annual return | 14.71% | 16.47%-1.8pp | 20.12%-5.4pp | 25.83%-11.1pp |
| Employer contribution / active EE | $0 | $2,326-100.0% | $3,062-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $2,986 | $4,133-27.8% | $5,003-40.3% | $4,194-28.8% |
| Admin fee / account holder | $12,118 | $10,148+19.4% | $12,864-5.8% | $7,856+54.2% |