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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 | $68,680 | $48,078+42.9% | $78,676-12.7% | $62,881+9.2% |
| Participation rate | 43.4% | 65.2%-21.8pp | 73.6%-30.1pp | 69.3%-25.9pp |
| Annual return | 7.48% | 31.36%-23.9pp | 62.19%-54.7pp | 20.14%-12.7pp |
| Employer contribution / active EE | $0 | $2,015-100.0% | $2,850-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,818 | $2,587-29.7% | $3,517-48.3% | $3,203-43.3% |
| Admin fee / account holder | $3,679 | $3,206+14.8% | $4,510-18.4% | $4,296-14.4% |