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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 | $173,858 | $125,190+38.9% | $105,624+64.6% | $145,897+19.2% |
| Participation rate | 58.3% | 77.6%-19.3pp | 75.3%-16.9pp | 80.3%-22.0pp |
| Annual return | 12.89% | 225.22%-212.3pp | 116.20%-103.3pp | 552.29%-539.4pp |
| Employer contribution / active EE | $0 | $3,720-100.0% | $3,168-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $2,745 | $5,716-52.0% | $5,013-45.2% | $6,689-59.0% |
| Admin fee / account holder | $1,998 | $17,138-88.3% | $10,961-81.8% | $13,390-85.1% |