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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 | $231,050 | $86,949+165.7% | $102,460+125.5% | $80,959+185.4% |
| Participation rate | 42.4% | 72.4%-30.0pp | 76.5%-34.1pp | 67.7%-25.2pp |
| Annual return | 15.29% | 18.89%-3.6pp | 29.47%-14.2pp | 35.67%-20.4pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,025-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,031 | $4,121-50.7% | $5,056-59.8% | $4,300-52.8% |
| Admin fee / account holder | $6,876 | $8,048-14.6% | $9,460-27.3% | $6,925-0.7% |