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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 | $124,103 | $138,312-10.3% | $122,979+0.9% | $155,188-20.0% |
| Participation rate | 57.9% | 80.2%-22.3pp | 77.2%-19.3pp | 80.8%-22.9pp |
| Annual return | 12.51% | 22.06%-9.6pp | 20.12%-7.6pp | 148.84%-136.3pp |
| Employer contribution / active EE | $0 | $3,530-100.0% | $3,062-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $4,197 | $5,592-25.0% | $5,003-16.1% | $6,531-35.7% |
| Admin fee / account holder | $505 | $15,089-96.7% | $12,864-96.1% | $14,480-96.5% |