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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 | $100,764 | $101,798-1.0% | $165,071-39.0% | $80,935+24.5% |
| Participation rate | 46.1% | 71.8%-25.8pp | 78.6%-32.6pp | 67.7%-21.6pp |
| Annual return | 11.33% | 16.73%-5.4pp | 70.17%-58.8pp | 35.66%-24.3pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,347-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,217 | $4,476-28.1% | $6,035-46.7% | $4,299-25.2% |
| Admin fee / account holder | $1,116 | $8,221-86.4% | $12,695-91.2% | $6,924-83.9% |