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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 | $129,183 | $76,551+68.8% | $123,894+4.3% | $62,881+105.4% |
| Participation rate | 59.2% | 73.0%-13.8pp | 81.4%-22.2pp | 69.3%-10.1pp |
| Annual return | 8.59% | 18.68%-10.1pp | 47.52%-38.9pp | 20.14%-11.6pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,869 | $4,840-40.7% | $5,984-52.1% | $3,203-10.4% |
| Admin fee / account holder | $7,052 | $4,826+46.1% | $8,357-15.6% | $4,296+64.2% |