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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 | $123,292 | $43,730+181.9% | $66,674+84.9% | $64,097+92.4% |
| Participation rate | 13.9% | 50.7%-36.9pp | 73.7%-59.8pp | 55.2%-41.3pp |
| Annual return | 12.45% | 53.62%-41.2pp | 321.24%-308.8pp | 34.64%-22.2pp |
| Employer contribution / active EE | $0 | $1,673-100.0% | $2,620-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $1,429 | $2,122-32.6% | $4,084-65.0% | $3,080-53.6% |
| Admin fee / account holder | $13,308 | $2,708+391.5% | $5,098+161.0% | $3,454+285.2% |