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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 | $92,686 | $78,027+18.8% | $178,528-48.1% | $80,925+14.5% |
| Participation rate | 46.3% | 65.7%-19.4pp | 77.1%-30.8pp | 67.7%-21.4pp |
| Annual return | 16.06% | 18.09%-2.0pp | 27.11%-11.1pp | 35.65%-19.6pp |
| Employer contribution / active EE | $0 | $2,281-100.0% | $3,950-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $7,274 | $4,408+65.0% | $6,278+15.9% | $4,299+69.2% |
| Admin fee / account holder | $13,853 | $7,168+93.3% | $10,419+33.0% | $6,940+99.6% |