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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 | $109,546 | $97,648+12.2% | $121,663-10.0% | $87,485+25.2% |
| Participation rate | 25.0% | 70.5%-45.5pp | 74.5%-49.5pp | 68.9%-43.9pp |
| Annual return | 12.89% | 18.03%-5.1pp | 147.54%-134.6pp | 26.06%-13.2pp |
| Employer contribution / active EE | $0 | $2,300-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,854 | $3,923-52.7% | $4,887-62.1% | $4,274-56.6% |
| Admin fee / account holder | $6,808 | $11,100-38.7% | $14,289-52.4% | $7,775-12.4% |