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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 | $98,225 | $36,948+165.8% | $73,658+33.4% | $87,485+12.3% |
| Participation rate | 24.7% | 46.8%-22.1pp | 57.0%-32.3pp | 68.9%-44.2pp |
| Annual return | 17.43% | 28.64%-11.2pp | 29.72%-12.3pp | 26.06%-8.6pp |
| Employer contribution / active EE | $0 | $670-100.0% | $1,032-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,983 | $1,379+43.8% | $2,062-3.8% | $4,274-53.6% |
| Admin fee / account holder | $1,740 | $2,531-31.2% | $3,357-48.2% | $7,775-77.6% |