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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 | $71,958 | $76,551-6.0% | $123,894-41.9% | $62,881+14.4% |
| Participation rate | 57.4% | 73.0%-15.6pp | 81.4%-24.0pp | 69.3%-11.9pp |
| Annual return | 9.60% | 18.68%-9.1pp | 47.52%-37.9pp | 20.14%-10.5pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $8,640 | $4,840+78.5% | $5,984+44.4% | $3,203+169.7% |
| Admin fee / account holder | $1,352 | $4,826-72.0% | $8,357-83.8% | $4,296-68.5% |