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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 | $79,436 | $77,638+2.3% | $156,551-49.3% | $62,881+26.3% |
| Participation rate | 64.9% | 71.2%-6.3pp | 84.0%-19.1pp | 69.3%-4.4pp |
| Annual return | 9.11% | 50.33%-41.2pp | 32.23%-23.1pp | 20.14%-11.0pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $5,501-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $3,853 | $3,046+26.5% | $4,871-20.9% | $3,203+20.3% |
| Admin fee / account holder | $534 | $5,561-90.4% | $13,028-95.9% | $4,296-87.6% |