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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 | $113,652 | $63,764+78.2% | $81,926+38.7% | $79,858+42.3% |
| Participation rate | 45.7% | 67.5%-21.8pp | 72.0%-26.3pp | 69.6%-24.0pp |
| Annual return | 10.42% | 22.66%-12.2pp | 29.49%-19.1pp | 31.72%-21.3pp |
| Employer contribution / active EE | $0 | $1,795-100.0% | $4,310-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,298 | $2,780-53.3% | $7,108-81.7% | $3,740-65.3% |
| Admin fee / account holder | $1,295 | $4,426-70.7% | $5,159-74.9% | $5,306-75.6% |