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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 | $82,311 | $63,365+29.9% | $91,994-10.5% | $72,975+12.8% |
| Participation rate | 68.9% | 72.5%-3.6pp | 78.6%-9.7pp | 69.5%-0.6pp |
| Annual return | 23.92% | 35.35%-11.4pp | 69.04%-45.1pp | 81.01%-57.1pp |
| Employer contribution / active EE | $0 | $2,116-100.0% | $3,453-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $4,459 | $4,883-8.7% | $5,924-24.7% | $3,608+23.6% |
| Admin fee / account holder | $2,426 | $4,670-48.0% | $7,744-68.7% | $5,124-52.7% |