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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 | $103,014 | $110,137-6.5% | $161,149-36.1% | $82,637+24.7% |
| Participation rate | 65.2% | 72.4%-7.1pp | 78.8%-13.6pp | 68.1%-2.8pp |
| Annual return | 16.47% | 20.69%-4.2pp | 21.16%-4.7pp | 53.51%-37.0pp |
| Employer contribution / active EE | $0 | $2,856-100.0% | $4,360-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $16,898 | $4,575+269.4% | $6,153+174.6% | $4,126+309.5% |
| Admin fee / account holder | $3,047 | $9,467-67.8% | $15,194-79.9% | $7,339-58.5% |