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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 | $95,284 | $89,370+6.6% | $141,197-32.5% | $72,976+30.6% |
| Participation rate | 67.2% | 75.1%-8.0pp | 82.5%-15.3pp | 69.5%-2.3pp |
| Annual return | 23.44% | 111.88%-88.4pp | 71.41%-48.0pp | 81.02%-57.6pp |
| Employer contribution / active EE | $0 | $3,115-100.0% | $4,736-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $4,586 | $5,419-15.4% | $6,710-31.7% | $3,608+27.1% |
| Admin fee / account holder | $791 | $5,957-86.7% | $10,265-92.3% | $5,124-84.6% |