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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 | $173,081 | $94,031+84.1% | $115,768+49.5% | $82,448+109.9% |
| Participation rate | 44.7% | 70.4%-25.7pp | 74.4%-29.7pp | 68.1%-23.3pp |
| Annual return | 13.16% | 20.61%-7.4pp | 100.46%-87.3pp | 41.64%-28.5pp |
| Employer contribution / active EE | $0 | $2,323-100.0% | $2,940-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,101 | $3,972-47.1% | $4,917-57.3% | $4,139-49.2% |
| Admin fee / account holder | $965 | $10,249-90.6% | $12,439-92.2% | $7,234-86.7% |