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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 | $94,349 | $64,462+46.4% | $81,482+15.8% | $80,911+16.6% |
| Participation rate | 28.6% | 63.9%-35.3pp | 69.5%-40.9pp | 67.6%-39.1pp |
| Annual return | 12.41% | 16.35%-3.9pp | 24.79%-12.4pp | 35.63%-23.2pp |
| Employer contribution / active EE | $0 | $1,979-100.0% | $2,463-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,778 | $3,094-42.5% | $3,885-54.2% | $4,297-58.6% |
| Admin fee / account holder | $4,987 | $5,678-12.2% | $5,761-13.4% | $6,935-28.1% |