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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 | $76,243 | $79,955-4.6% | $98,461-22.6% | $75,173+1.4% |
| Participation rate | 68.3% | 70.4%-2.0pp | 75.2%-6.8pp | 67.2%+1.1pp |
| Annual return | 17.23% | 19.75%-2.5pp | 21.17%-3.9pp | 160.72%-143.5pp |
| Employer contribution / active EE | $0 | $2,264-100.0% | $3,049-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,278 | $3,752-39.3% | $4,738-51.9% | $4,126-44.8% |
| Admin fee / account holder | $12,629 | $6,841+84.6% | $8,961+40.9% | $5,651+123.5% |