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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 | $149,174 | $81,276+83.5% | $155,574-4.1% | $80,925+84.3% |
| Participation rate | 32.3% | 66.2%-34.0pp | 78.2%-46.0pp | 67.7%-35.4pp |
| Annual return | 15.68% | 33.36%-17.7pp | 64.87%-49.2pp | 35.65%-20.0pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $4,676-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,665 | $3,453-22.8% | $5,629-52.7% | $4,299-38.0% |
| Admin fee / account holder | $1,231 | $7,993-84.6% | $15,914-92.3% | $6,940-82.3% |