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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 | $113,690 | $101,798+11.7% | $165,071-31.1% | $80,935+40.5% |
| Participation rate | 68.4% | 71.8%-3.4pp | 78.6%-10.2pp | 67.7%+0.8pp |
| Annual return | 11.19% | 16.73%-5.5pp | 70.17%-59.0pp | 35.66%-24.5pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,347-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,108 | $4,476-8.2% | $6,035-31.9% | $4,299-4.4% |
| Admin fee / account holder | $8,314 | $8,221+1.1% | $12,695-34.5% | $6,924+20.1% |