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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 | $172,477 | $95,406+80.8% | $185,849-7.2% | $85,847+100.9% |
| Participation rate | 54.4% | 68.8%-14.4pp | 81.7%-27.3pp | 69.3%-14.9pp |
| Annual return | 15.31% | 23.59%-8.3pp | 122.10%-106.8pp | 318.61%-303.3pp |
| Employer contribution / active EE | $0 | $3,314-100.0% | $5,169-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $2,004 | $3,424-41.5% | $5,569-64.0% | $3,952-49.3% |
| Admin fee / account holder | $15,876 | $7,214+120.1% | $16,244-2.3% | $6,261+153.6% |