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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 | $104,189 | $58,493+78.1% | $84,021+24.0% | $72,975+42.8% |
| Participation rate | 21.2% | 61.2%-40.0pp | 69.0%-47.8pp | 69.5%-48.3pp |
| Annual return | 23.16% | 28.93%-5.8pp | 71.32%-48.2pp | 81.01%-57.8pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $1,984-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,266 | $2,394-47.1% | $3,239-60.9% | $3,608-64.9% |
| Admin fee / account holder | $6,722 | $4,569+47.1% | $6,102+10.2% | $5,124+31.2% |