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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 | $72,712 | $76,551-5.0% | $123,894-41.3% | $62,881+15.6% |
| Participation rate | 41.7% | 73.0%-31.3pp | 81.4%-39.7pp | 69.3%-27.6pp |
| Annual return | 8.15% | 18.68%-10.5pp | 47.52%-39.4pp | 20.14%-12.0pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $4,523 | $4,840-6.5% | $5,984-24.4% | $3,203+41.2% |
| Admin fee / account holder | $666 | $4,826-86.2% | $8,357-92.0% | $4,296-84.5% |