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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 | $90,281 | $95,404-5.4% | $113,397-20.4% | $82,637+9.2% |
| Participation rate | 58.7% | 72.8%-14.1pp | 76.5%-17.8pp | 68.1%-9.4pp |
| Annual return | 13.21% | 19.08%-5.9pp | 23.20%-10.0pp | 53.51%-40.3pp |
| Employer contribution / active EE | $0 | $2,307-100.0% | $2,977-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $3,869 | $4,220-8.3% | $5,076-23.8% | $4,126-6.2% |
| Admin fee / account holder | $6,115 | $9,168-33.3% | $11,957-48.9% | $7,339-16.7% |