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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 | $193,954 | $132,634+46.2% | $115,768+67.5% | $137,256+41.3% |
| Participation rate | 59.1% | 77.9%-18.8pp | 74.4%-15.3pp | 80.0%-20.9pp |
| Annual return | 12.28% | 160.70%-148.4pp | 100.46%-88.2pp | 220.34%-208.1pp |
| Employer contribution / active EE | $0 | $3,360-100.0% | $2,940-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $3,289 | $5,619-41.5% | $4,917-33.1% | $6,407-48.7% |
| Admin fee / account holder | $4,977 | $15,028-66.9% | $12,439-60.0% | $12,270-59.4% |