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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 | $120,894 | $78,425+54.2% | $95,956+26.0% | $79,858+51.4% |
| Participation rate | 63.2% | 73.5%-10.3pp | 77.1%-13.9pp | 69.6%-6.5pp |
| Annual return | 12.52% | 19.37%-6.9pp | 91.63%-79.1pp | 31.72%-19.2pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,719 | $3,440+8.1% | $4,167-10.8% | $3,740-0.6% |
| Admin fee / account holder | $4,919 | $5,622-12.5% | $6,797-27.6% | $5,306-7.3% |