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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 | $87,756 | $56,894+54.2% | $84,753+3.5% | $62,881+39.6% |
| Participation rate | 39.2% | 68.5%-29.3pp | 76.6%-37.4pp | 69.3%-30.1pp |
| Annual return | 7.36% | 6.30%+1.1pp | 22.78%-15.4pp | 20.14%-12.8pp |
| Employer contribution / active EE | $0 | $2,400-100.0% | $3,574-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,399 | $2,709-48.3% | $3,712-62.3% | $3,203-56.3% |
| Admin fee / account holder | $1,311 | $3,581-63.4% | $5,333-75.4% | $4,296-69.5% |