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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 | $86,938+14.3% | $102,423-3.0% | $80,925+22.8% |
| Participation rate | 42.6% | 72.4%-29.8pp | 76.5%-33.9pp | 67.7%-25.1pp |
| Annual return | 11.06% | 18.89%-7.8pp | 29.42%-18.4pp | 35.65%-24.6pp |
| Employer contribution / active EE | $0 | $2,369-100.0% | $3,023-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $3,533 | $4,120-14.3% | $5,054-30.1% | $4,299-17.8% |
| Admin fee / account holder | $4,455 | $8,053-44.7% | $9,455-52.9% | $6,940-35.8% |