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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 | $109,324 | $81,504+34.1% | $102,437+6.7% | $80,959+35.0% |
| Participation rate | 30.0% | 66.9%-36.9pp | 74.5%-44.5pp | 67.7%-37.7pp |
| Annual return | 13.97% | 25.60%-11.6pp | 24.95%-11.0pp | 35.67%-21.7pp |
| Employer contribution / active EE | $0 | $3,104-100.0% | $3,871-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,661 | $3,871-31.3% | $5,060-47.4% | $4,300-38.1% |
| Admin fee / account holder | $8,456 | $6,719+25.8% | $8,388+0.8% | $6,925+22.1% |