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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 | $76,627 | $86,940-11.9% | $102,434-25.2% | $80,935-5.3% |
| Participation rate | 59.5% | 72.4%-12.9pp | 76.5%-17.0pp | 67.7%-8.1pp |
| Annual return | 10.93% | 18.89%-8.0pp | 29.46%-18.5pp | 35.66%-24.7pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,023-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,233 | $4,121-45.8% | $5,055-55.8% | $4,299-48.1% |
| Admin fee / account holder | $3,160 | $8,047-60.7% | $9,462-66.6% | $6,924-54.4% |