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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 | $97,648+77.2% | $121,663+42.3% | $87,485+97.8% |
| Participation rate | 44.7% | 70.5%-25.7pp | 74.5%-29.8pp | 68.9%-24.2pp |
| Annual return | 13.16% | 18.03%-4.9pp | 147.54%-134.4pp | 26.06%-12.9pp |
| Employer contribution / active EE | $0 | $2,300-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,101 | $3,923-46.4% | $4,887-57.0% | $4,274-50.8% |
| Admin fee / account holder | $965 | $11,100-91.3% | $14,289-93.2% | $7,775-87.6% |