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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 | $143,508 | $63,082+127.5% | $81,726+75.6% | $79,856+79.7% |
| Participation rate | 51.4% | 67.5%-16.1pp | 72.0%-20.6pp | 69.6%-18.3pp |
| Annual return | 12.52% | 22.66%-10.1pp | 29.49%-17.0pp | 31.71%-19.2pp |
| Employer contribution / active EE | $0 | $1,795-100.0% | $4,311-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,787 | $2,780+0.2% | $7,108-60.8% | $3,741-25.5% |
| Admin fee / account holder | $4,711 | $4,428+6.4% | $5,160-8.7% | $5,306-11.2% |