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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 | $191,715 | $106,280+80.4% | $96,538+98.6% | $139,487+37.4% |
| Participation rate | 45.0% | 77.8%-32.8pp | 74.3%-29.3pp | 80.3%-35.3pp |
| Annual return | 13.48% | 38.48%-25.0pp | 35.74%-22.3pp | 373.84%-360.4pp |
| Employer contribution / active EE | $0 | $4,107-100.0% | $3,740-100.0% | $4,755-100.0% |
| Participant deferral / active EE | $1,733 | $5,457-68.2% | $4,880-64.5% | $6,713-74.2% |
| Admin fee / account holder | $44,324 | $7,888+461.9% | $6,737+557.9% | $11,407+288.6% |