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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 | $73,543 | $76,551-3.9% | $123,894-40.6% | $62,881+17.0% |
| Participation rate | 64.9% | 73.0%-8.1pp | 81.4%-16.5pp | 69.3%-4.4pp |
| Annual return | 8.19% | 18.68%-10.5pp | 47.52%-39.3pp | 20.14%-12.0pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $9,690 | $4,840+100.2% | $5,984+61.9% | $3,203+202.5% |
| Admin fee / account holder | $3,193 | $4,826-33.8% | $8,357-61.8% | $4,296-25.7% |