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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 | $106,864-20.5% | $147,318-42.4% | $82,637+2.8% |
| Participation rate | 53.3% | 75.5%-22.2pp | 82.1%-28.8pp | 68.1%-14.8pp |
| Annual return | 15.99% | 27.49%-11.5pp | 70.43%-54.4pp | 53.51%-37.5pp |
| Employer contribution / active EE | $0 | $3,417-100.0% | $4,593-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $6,446 | $6,496-0.8% | $7,906-18.5% | $4,126+56.2% |
| Admin fee / account holder | $5,600 | $8,415-33.5% | $13,708-59.1% | $7,339-23.7% |