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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 | $94,746 | $78,013+21.4% | $178,449-46.9% | $80,911+17.1% |
| Participation rate | 50.0% | 65.7%-15.7pp | 77.1%-27.1pp | 67.6%-17.6pp |
| Annual return | 22.45% | 18.07%+4.4pp | 27.09%-4.6pp | 35.63%-13.2pp |
| Employer contribution / active EE | $0 | $2,287-100.0% | $3,951-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $7,582 | $4,408+72.0% | $6,277+20.8% | $4,297+76.4% |
| Admin fee / account holder | $6,863 | $7,166-4.2% | $10,362-33.8% | $6,935-1.0% |