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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 | $196,726 | $87,834+124.0% | $133,975+46.8% | $62,881+212.9% |
| Participation rate | 69.4% | 83.4%-13.9pp | 87.1%-17.6pp | 69.3%+0.1pp |
| Annual return | 7.87% | 12.05%-4.2pp | 29.29%-21.4pp | 20.14%-12.3pp |
| Employer contribution / active EE | $0 | $3,482-100.0% | $5,211-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $10,832 | $4,812+125.1% | $6,282+72.4% | $3,203+238.2% |
| Admin fee / account holder | $2,473 | $5,372-54.0% | $9,324-73.5% | $4,296-42.4% |