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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 | $70,808 | $80,985-12.6% | $96,576-26.7% | $75,181-5.8% |
| Participation rate | 60.8% | 71.8%-11.0pp | 76.0%-15.2pp | 67.2%-6.4pp |
| Annual return | 13.81% | 27.05%-13.2pp | 25.87%-12.1pp | 160.69%-146.9pp |
| Employer contribution / active EE | $0 | $2,282-100.0% | $2,965-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $3,527 | $3,929-10.2% | $4,851-27.3% | $4,126-14.5% |
| Admin fee / account holder | $7,204 | $6,719+7.2% | $8,253-12.7% | $5,650+27.5% |