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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 | $143,133 | $72,273+98.0% | $101,275+41.3% | $79,856+79.2% |
| Participation rate | 55.8% | 68.5%-12.6pp | 75.8%-20.0pp | 69.6%-13.8pp |
| Annual return | 15.06% | 22.30%-7.2pp | 46.48%-31.4pp | 31.71%-16.6pp |
| Employer contribution / active EE | $0 | $2,691-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $5,326 | $3,282+62.3% | $4,371+21.9% | $3,741+42.4% |
| Admin fee / account holder | $13,714 | $4,401+211.6% | $5,948+130.6% | $5,306+158.4% |