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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 | $104,494 | $185,312-43.6% | $161,489-35.3% | $154,746-32.5% |
| Participation rate | 45.8% | 82.5%-36.6pp | 78.7%-32.9pp | 80.7%-34.9pp |
| Annual return | 17.31% | 103.84%-86.5pp | 89.72%-72.4pp | 172.34%-155.0pp |
| Employer contribution / active EE | $0 | $4,769-100.0% | $4,268-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $5,801 | $6,350-8.6% | $5,630+3.0% | $6,730-13.8% |
| Admin fee / account holder | $2,766 | $18,654-85.2% | $16,006-82.7% | $14,365-80.7% |