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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 | $84,922 | $107,421-20.9% | $182,262-53.4% | $94,015-9.7% |
| Participation rate | 53.3% | 77.8%-24.5pp | 84.2%-31.0pp | 70.8%-17.6pp |
| Annual return | 15.99% | 21.32%-5.3pp | 140.60%-124.6pp | 17.84%-1.9pp |
| Employer contribution / active EE | $0 | $3,448-100.0% | $5,046-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $6,446 | $6,558-1.7% | $8,276-22.1% | $4,249+51.7% |
| Admin fee / account holder | $5,600 | $8,692-35.6% | $16,712-66.5% | $8,951-37.4% |