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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 | $78,197+208.6% | $98,090+146.0% | $82,637+192.0% |
| Participation rate | 40.7% | 77.5%-36.7pp | 81.5%-40.8pp | 68.1%-27.3pp |
| Annual return | 16.49% | 40.25%-23.8pp | 37.05%-20.6pp | 53.51%-37.0pp |
| Employer contribution / active EE | $0 | $2,605-100.0% | $3,606-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $4,966 | $6,636-25.2% | $7,845-36.7% | $4,126+20.4% |
| Admin fee / account holder | $6,566 | $14,832-55.7% | $11,815-44.4% | $7,339-10.5% |