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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 | $187,551 | $101,795+84.2% | $165,100+13.6% | $80,959+131.7% |
| Participation rate | 58.6% | 71.8%-13.2pp | 78.6%-20.0pp | 67.7%-9.0pp |
| Annual return | 12.61% | 16.73%-4.1pp | 70.21%-57.6pp | 35.67%-23.1pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,348-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $8,493 | $4,476+89.8% | $6,035+40.7% | $4,300+97.5% |
| Admin fee / account holder | $9,404 | $8,221+14.4% | $12,696-25.9% | $6,925+35.8% |