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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 | $94,031+56.9% | $115,768+27.4% | $82,448+78.9% |
| Participation rate | 26.1% | 70.4%-44.3pp | 74.4%-48.3pp | 68.1%-42.0pp |
| Annual return | 13.34% | 20.61%-7.3pp | 100.46%-87.1pp | 41.64%-28.3pp |
| Employer contribution / active EE | $0 | $2,323-100.0% | $2,940-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,416 | $3,972-39.2% | $4,917-50.9% | $4,139-41.6% |
| Admin fee / account holder | $37,168 | $10,249+262.6% | $12,439+198.8% | $7,234+413.8% |