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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 | $76,407+161.0% | $150,298+32.7% | $82,448+141.9% |
| Participation rate | 37.8% | 66.4%-28.6pp | 77.8%-40.0pp | 68.1%-30.3pp |
| Annual return | 15.61% | 39.99%-24.4pp | 62.79%-47.2pp | 41.64%-26.0pp |
| Employer contribution / active EE | $0 | $2,614-100.0% | $4,154-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,254 | $3,214-61.0% | $5,453-77.0% | $4,139-69.7% |
| Admin fee / account holder | $2,840 | $6,352-55.3% | $14,116-79.9% | $7,234-60.7% |