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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 | $126,024 | $41,016+207.3% | $152,093-17.1% | $64,097+96.6% |
| Participation rate | 58.0% | 51.3%+6.7pp | 77.8%-19.8pp | 55.2%+2.8pp |
| Annual return | 12.38% | 39.60%-27.2pp | 66.36%-54.0pp | 34.64%-22.3pp |
| Employer contribution / active EE | $0 | $1,342-100.0% | $4,175-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $5,013 | $1,927+160.1% | $5,451-8.0% | $3,080+62.8% |
| Admin fee / account holder | $4,728 | $2,305+105.1% | $14,497-67.4% | $3,454+36.9% |