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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 | $241,296 | $77,358+211.9% | $102,184+136.1% | $87,485+175.8% |
| Participation rate | 40.7% | 78.7%-37.9pp | 82.6%-41.9pp | 68.9%-28.2pp |
| Annual return | 16.49% | 41.11%-24.6pp | 31.58%-15.1pp | 26.06%-9.6pp |
| Employer contribution / active EE | $0 | $2,562-100.0% | $3,594-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $4,966 | $6,753-26.5% | $8,309-40.2% | $4,274+16.2% |
| Admin fee / account holder | $6,566 | $6,809-3.6% | $11,609-43.4% | $7,775-15.6% |