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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 | $71,990 | $85,060-15.4% | $70,565+2.0% | $139,487-48.4% |
| Participation rate | 45.5% | 73.9%-28.5pp | 68.4%-22.9pp | 80.3%-34.9pp |
| Annual return | 13.79% | 30.39%-16.6pp | 32.79%-19.0pp | 373.84%-360.1pp |
| Employer contribution / active EE | $0 | $3,912-100.0% | $2,976-100.0% | $4,755-100.0% |
| Participant deferral / active EE | $6,511 | $5,891+10.5% | $4,568+42.5% | $6,713-3.0% |
| Admin fee / account holder | $5,879 | $8,932-34.2% | $6,430-8.6% | $11,407-48.5% |