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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 | $133,025 | $81,476+63.3% | $102,383+29.9% | $80,925+64.4% |
| Participation rate | 51.4% | 66.8%-15.4pp | 74.5%-23.1pp | 67.7%-16.2pp |
| Annual return | 11.02% | 25.59%-14.6pp | 24.94%-13.9pp | 35.65%-24.6pp |
| Employer contribution / active EE | $0 | $3,105-100.0% | $3,870-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $3,701 | $3,871-4.4% | $5,060-26.8% | $4,299-13.9% |
| Admin fee / account holder | $4,396 | $6,717-34.6% | $8,391-47.6% | $6,940-36.7% |