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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 | $71,871 | $85,515-16.0% | $112,040-35.9% | $67,986+5.7% |
| Participation rate | 51.3% | 68.2%-16.9pp | 76.5%-25.2pp | 57.2%-5.9pp |
| Annual return | 17.10% | 29.68%-12.6pp | 24.52%-7.4pp | 31.67%-14.6pp |
| Employer contribution / active EE | $0 | $2,191-100.0% | $2,954-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $3,384 | $4,014-15.7% | $5,098-33.6% | $3,358+0.8% |
| Admin fee / account holder | $1,128 | $3,774-70.1% | $12,098-90.7% | $3,203-64.8% |