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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 | $77,962+18.9% | $178,540-48.1% | $80,935+14.5% |
| Participation rate | 46.3% | 65.7%-19.4pp | 77.1%-30.8pp | 67.7%-21.4pp |
| Annual return | 16.06% | 18.10%-2.0pp | 27.15%-11.1pp | 35.66%-19.6pp |
| Employer contribution / active EE | $0 | $2,280-100.0% | $3,953-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $7,274 | $4,404+65.2% | $6,281+15.8% | $4,299+69.2% |
| Admin fee / account holder | $13,853 | $7,156+93.6% | $10,424+32.9% | $6,924+100.1% |