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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 | $94,436-1.0% | $115,599-19.1% | $82,637+13.1% |
| Participation rate | 27.8% | 70.4%-42.7pp | 74.3%-46.5pp | 68.1%-40.3pp |
| Annual return | 12.60% | 18.37%-5.8pp | 111.10%-98.5pp | 53.51%-40.9pp |
| Employer contribution / active EE | $0 | $2,324-100.0% | $2,955-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,961 | $3,955-50.4% | $4,889-59.9% | $4,126-52.5% |
| Admin fee / account holder | $5,368 | $10,328-48.0% | $12,841-58.2% | $7,339-26.9% |