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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 | $164,042 | $96,558+69.9% | $80,977+102.6% | $273,972-40.1% |
| Participation rate | 60.0% | 79.1%-19.1pp | 75.8%-15.8pp | 83.0%-23.0pp |
| Annual return | 4.28% | 15.14%-10.9pp | 17.11%-12.8pp | 41.46%-37.2pp |
| Employer contribution / active EE | $0 | $4,869-100.0% | $3,715-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $3,899 | $6,598-40.9% | $5,696-31.6% | $5,287-26.3% |
| Admin fee / account holder | $22,470 | $7,493+199.9% | $5,517+307.3% | $10,133+121.8% |