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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 | $100,520 | $52,279+92.3% | $89,400+12.4% | $79,858+25.9% |
| Participation rate | 56.0% | 57.5%-1.5pp | 68.0%-12.0pp | 69.6%-13.6pp |
| Annual return | 12.98% | 22.16%-9.2pp | 245.64%-232.7pp | 31.72%-18.7pp |
| Employer contribution / active EE | $0 | $1,572-100.0% | $2,586-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,840 | $2,740+3.6% | $3,890-27.0% | $3,740-24.1% |
| Admin fee / account holder | $1,811 | $3,356-46.0% | $4,882-62.9% | $5,306-65.9% |