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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 | $113,601 | $75,541+50.4% | $152,093-25.3% | $82,637+37.5% |
| Participation rate | 63.2% | 66.5%-3.4pp | 77.8%-14.6pp | 68.1%-4.9pp |
| Annual return | 14.65% | 32.56%-17.9pp | 66.36%-51.7pp | 53.51%-38.9pp |
| Employer contribution / active EE | $0 | $2,622-100.0% | $4,175-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $5,467 | $3,206+70.5% | $5,451+0.3% | $4,126+32.5% |
| Admin fee / account holder | $6,076 | $6,405-5.1% | $14,497-58.1% | $7,339-17.2% |