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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 | $82,203 | $117,829-30.2% | $102,423-19.7% | $145,877-43.6% |
| Participation rate | 65.2% | 78.6%-13.4pp | 76.5%-11.3pp | 80.3%-15.1pp |
| Annual return | 13.31% | 31.83%-18.5pp | 29.42%-16.1pp | 551.28%-538.0pp |
| Employer contribution / active EE | $0 | $3,615-100.0% | $3,023-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $4,311 | $5,732-24.8% | $5,054-14.7% | $6,691-35.6% |
| Admin fee / account holder | $21,782 | $13,335+63.3% | $9,455+130.4% | $13,402+62.5% |