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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 | $84,806 | $97,550-13.1% | $120,344-29.5% | $87,485-3.1% |
| Participation rate | 60.0% | 72.8%-12.8pp | 76.7%-16.7pp | 68.9%-8.9pp |
| Annual return | 15.13% | 18.41%-3.3pp | 20.30%-5.2pp | 26.06%-10.9pp |
| Employer contribution / active EE | $0 | $2,291-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $4,390 | $4,230+3.8% | $5,135-14.5% | $4,274+2.7% |
| Admin fee / account holder | $2,928 | $9,543-69.3% | $12,742-77.0% | $7,775-62.3% |