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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 | $91,409 | $69,444+31.6% | $92,985-1.7% | $87,485+4.5% |
| Participation rate | 28.1% | 63.3%-35.2pp | 69.5%-41.4pp | 68.9%-40.8pp |
| Annual return | 14.47% | 23.85%-9.4pp | 27.99%-13.5pp | 26.06%-11.6pp |
| Employer contribution / active EE | $0 | $1,917-100.0% | $2,662-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,505 | $3,364-55.3% | $4,377-65.6% | $4,274-64.8% |
| Admin fee / account holder | $1,038 | $6,137-83.1% | $9,463-89.0% | $7,775-86.7% |