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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 | $85,334 | $64,359+32.6% | $90,161-5.4% | $70,124+21.7% |
| Participation rate | 63.0% | 70.4%-7.5pp | 76.9%-13.9pp | 69.5%-6.6pp |
| Annual return | 14.98% | 28.13%-13.2pp | 34.89%-19.9pp | 73.14%-58.2pp |
| Employer contribution / active EE | $0 | $2,046-100.0% | $3,318-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $2,301 | $4,389-47.6% | $5,287-56.5% | $3,332-31.0% |
| Admin fee / account holder | $12,400 | $3,945+214.3% | $5,943+108.6% | $4,645+166.9% |