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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 | $148,884 | $78,423+89.8% | $95,964+55.1% | $79,856+86.4% |
| Participation rate | 50.0% | 73.5%-23.5pp | 77.1%-27.1pp | 69.6%-19.6pp |
| Annual return | 21.81% | 19.37%+2.4pp | 91.64%-69.8pp | 31.71%-9.9pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,409 | $3,440-30.0% | $4,167-42.2% | $3,741-35.6% |
| Admin fee / account holder | $3,642 | $5,622-35.2% | $6,797-46.4% | $5,306-31.4% |