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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 | $76,859 | $77,638-1.0% | $156,551-50.9% | $62,881+22.2% |
| Participation rate | 52.6% | 71.2%-18.6pp | 84.0%-31.4pp | 69.3%-16.7pp |
| Annual return | 14.95% | 50.33%-35.4pp | 32.23%-17.3pp | 20.14%-5.2pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $5,501-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,910 | $3,046-4.5% | $4,871-40.3% | $3,203-9.1% |
| Admin fee / account holder | $809 | $5,561-85.5% | $13,028-93.8% | $4,296-81.2% |