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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 | $75,645 | $55,930+35.3% | $76,089-0.6% | $80,925-6.5% |
| Participation rate | 26.5% | 62.1%-35.6pp | 69.1%-42.6pp | 67.7%-41.2pp |
| Annual return | 12.63% | 20.58%-7.9pp | 360.94%-348.3pp | 35.65%-23.0pp |
| Employer contribution / active EE | $0 | $1,866-100.0% | $2,690-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,888 | $3,051-38.1% | $4,259-55.7% | $4,299-56.1% |
| Admin fee / account holder | $6,797 | $5,241+29.7% | $6,418+5.9% | $6,940-2.1% |