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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 | $93,358 | $86,949+7.4% | $102,460-8.9% | $80,959+15.3% |
| Participation rate | 53.3% | 72.4%-19.1pp | 76.5%-23.2pp | 67.7%-14.3pp |
| Annual return | 19.63% | 18.89%+0.7pp | 29.47%-9.8pp | 35.67%-16.0pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,025-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,396 | $4,121-41.9% | $5,056-52.6% | $4,300-44.3% |
| Admin fee / account holder | $2,517 | $8,048-68.7% | $9,460-73.4% | $6,925-63.7% |