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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 | $147,540 | $109,620+34.6% | $148,496-0.6% | $94,015+56.9% |
| Participation rate | 26.1% | 71.3%-45.2pp | 76.0%-50.0pp | 70.8%-44.7pp |
| Annual return | 13.34% | 17.54%-4.2pp | 12.33%+1.0pp | 17.84%-4.5pp |
| Employer contribution / active EE | $0 | $2,618-100.0% | $3,497-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $2,416 | $3,831-36.9% | $4,808-49.8% | $4,249-43.1% |
| Admin fee / account holder | $37,168 | $10,050+269.8% | $19,547+90.1% | $8,951+315.2% |