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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 | $119,967 | $57,575+108.4% | $124,067-3.3% | $86,983+37.9% |
| Participation rate | 30.9% | 62.3%-31.4pp | 66.9%-36.0pp | 69.5%-38.7pp |
| Annual return | 14.79% | 19.65%-4.9pp | 31.06%-16.3pp | 25.83%-11.0pp |
| Employer contribution / active EE | $0 | $1,615-100.0% | $2,166-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $1,417 | $2,623-46.0% | $3,463-59.1% | $4,194-66.2% |
| Admin fee / account holder | $13,840 | $8,506+62.7% | $7,351+88.3% | $7,856+76.2% |