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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 | $125,496 | $70,486+78.0% | $100,528+24.8% | $79,852+57.2% |
| Participation rate | 48.8% | 73.6%-24.9pp | 79.4%-30.6pp | 69.6%-20.9pp |
| Annual return | 15.54% | 21.90%-6.4pp | 30.90%-15.4pp | 31.72%-16.2pp |
| Employer contribution / active EE | $0 | $2,165-100.0% | $3,419-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,006 | $5,182-42.0% | $6,271-52.1% | $3,740-19.6% |
| Admin fee / account holder | $8,459 | $4,480+88.8% | $8,084+4.6% | $5,306+59.4% |