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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 | $99,359 | $86,949+14.3% | $102,460-3.0% | $80,959+22.7% |
| Participation rate | 42.6% | 72.4%-29.8pp | 76.5%-34.0pp | 67.7%-25.1pp |
| Annual return | 11.06% | 18.89%-7.8pp | 29.47%-18.4pp | 35.67%-24.6pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,025-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,533 | $4,121-14.3% | $5,056-30.1% | $4,300-17.8% |
| Admin fee / account holder | $4,455 | $8,048-44.6% | $9,460-52.9% | $6,925-35.7% |