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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 | $118,095 | $59,839+97.4% | $81,988+44.0% | $79,858+47.9% |
| Participation rate | 31.8% | 61.6%-29.8pp | 69.3%-37.4pp | 69.6%-37.8pp |
| Annual return | 12.56% | 17.56%-5.0pp | 41.31%-28.8pp | 31.72%-19.2pp |
| Employer contribution / active EE | $0 | $1,713-100.0% | $2,498-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,092 | $2,695-59.5% | $3,722-70.7% | $3,740-70.8% |
| Admin fee / account holder | $4,558 | $4,287+6.3% | $5,665-19.5% | $5,306-14.1% |