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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 | $122,796 | $110,248+11.4% | $95,728+28.3% | $139,456-11.9% |
| Participation rate | 46.7% | 75.7%-29.1pp | 72.3%-25.6pp | 80.3%-33.7pp |
| Annual return | 9.40% | 27.16%-17.8pp | 28.40%-19.0pp | 373.45%-364.0pp |
| Employer contribution / active EE | $0 | $3,258-100.0% | $2,835-100.0% | $4,753-100.0% |
| Participant deferral / active EE | $1,802 | $4,675-61.5% | $4,245-57.6% | $6,711-73.2% |
| Admin fee / account holder | $64,419 | $6,607+875.0% | $5,673+1035.6% | $11,407+464.7% |