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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 | $104,621 | $87,059+20.2% | $105,608-0.9% | $80,925+29.3% |
| Participation rate | 41.0% | 70.4%-29.4pp | 75.3%-34.3pp | 67.7%-26.6pp |
| Annual return | 12.41% | 17.05%-4.6pp | 116.50%-104.1pp | 35.65%-23.2pp |
| Employer contribution / active EE | $0 | $2,396-100.0% | $3,167-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,539 | $3,986-36.3% | $5,010-49.3% | $4,299-40.9% |
| Admin fee / account holder | $13,889 | $8,443+64.5% | $11,028+25.9% | $6,940+100.1% |