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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 | $96,684 | $67,602+43.0% | $82,312+17.5% | $70,126+37.9% |
| Participation rate | 54.2% | 72.8%-18.6pp | 76.9%-22.7pp | 69.5%-15.4pp |
| Annual return | 19.07% | 21.57%-2.5pp | 25.88%-6.8pp | 73.15%-54.1pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $3,097 | $2,987+3.7% | $3,706-16.4% | $3,332-7.0% |
| Admin fee / account holder | $3,575 | $4,512-20.8% | $5,608-36.2% | $4,645-23.0% |