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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 | $145,916 | $46,877+211.3% | $122,342+19.3% | $70,131+108.1% |
| Participation rate | 44.4% | 58.2%-13.8pp | 71.6%-27.2pp | 69.5%-25.1pp |
| Annual return | 18.45% | 24.22%-5.8pp | 30.28%-11.8pp | 73.14%-54.7pp |
| Employer contribution / active EE | $0 | $1,288-100.0% | $4,051-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $2,258 | $2,167+4.2% | $3,287-31.3% | $3,332-32.2% |
| Admin fee / account holder | $418 | $3,324-87.4% | $5,478-92.4% | $4,645-91.0% |