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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 | $132,099+46.8% | $115,599+67.8% | $138,895+39.6% |
| Participation rate | 59.1% | 77.9%-18.8pp | 74.3%-15.2pp | 79.9%-20.8pp |
| Annual return | 12.28% | 176.76%-164.5pp | 111.10%-98.8pp | 145.39%-133.1pp |
| Employer contribution / active EE | $0 | $3,416-100.0% | $2,955-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $3,289 | $5,617-41.4% | $4,889-32.7% | $6,396-48.6% |
| Admin fee / account holder | $4,977 | $15,650-68.2% | $12,841-61.2% | $12,562-60.4% |