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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 | $199,450 | $78,690+153.5% | $161,489+23.5% | $87,485+128.0% |
| Participation rate | 37.8% | 67.5%-29.7pp | 78.7%-40.9pp | 68.9%-31.2pp |
| Annual return | 15.61% | 32.74%-17.1pp | 89.72%-74.1pp | 26.06%-10.4pp |
| Employer contribution / active EE | $0 | $2,588-100.0% | $4,268-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,254 | $3,311-62.1% | $5,630-77.7% | $4,274-70.6% |
| Admin fee / account holder | $2,840 | $6,724-57.8% | $16,006-82.3% | $7,775-63.5% |