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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 | $118,935 | $95,406+24.7% | $185,849-36.0% | $85,847+38.5% |
| Participation rate | 18.9% | 68.8%-49.8pp | 81.7%-62.8pp | 69.3%-50.4pp |
| Annual return | 18.16% | 23.59%-5.4pp | 122.10%-103.9pp | 318.61%-300.4pp |
| Employer contribution / active EE | $0 | $3,314-100.0% | $5,169-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $2,419 | $3,424-29.3% | $5,569-56.6% | $3,952-38.8% |
| Admin fee / account holder | $10,296 | $7,214+42.7% | $16,244-36.6% | $6,261+64.5% |