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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 | $81,002 | $72,269+12.1% | $101,271-20.0% | $79,852+1.4% |
| Participation rate | 39.0% | 68.5%-29.5pp | 75.8%-36.8pp | 69.6%-30.7pp |
| Annual return | 17.50% | 22.29%-4.8pp | 46.48%-29.0pp | 31.72%-14.2pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,959 | $3,282-9.8% | $4,371-32.3% | $3,740-20.9% |
| Admin fee / account holder | $2,664 | $4,401-39.5% | $5,948-55.2% | $5,306-49.8% |