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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 | $104,682 | $76,551+36.7% | $123,894-15.5% | $62,881+66.5% |
| Participation rate | 65.2% | 73.0%-7.8pp | 81.4%-16.3pp | 69.3%-4.2pp |
| Annual return | 7.28% | 18.68%-11.4pp | 47.52%-40.2pp | 20.14%-12.9pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $3,424 | $4,840-29.3% | $5,984-42.8% | $3,203+6.9% |
| Admin fee / account holder | $11,106 | $4,826+130.1% | $8,357+32.9% | $4,296+158.5% |