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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 | $93,488 | $101,950-8.3% | $125,529-25.5% | $86,983+7.5% |
| Participation rate | 27.8% | 70.2%-42.4pp | 74.7%-46.9pp | 69.5%-41.8pp |
| Annual return | 12.60% | 18.29%-5.7pp | 202.56%-190.0pp | 25.83%-13.2pp |
| Employer contribution / active EE | $0 | $2,358-100.0% | $3,058-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $1,961 | $3,862-49.2% | $4,813-59.3% | $4,194-53.2% |
| Admin fee / account holder | $5,368 | $12,791-58.0% | $16,298-67.1% | $7,856-31.7% |