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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 | $64,090 | $74,535-14.0% | $100,712-36.4% | $82,637-22.4% |
| Participation rate | 50.9% | 61.2%-10.3pp | 69.3%-18.4pp | 68.1%-17.2pp |
| Annual return | 17.57% | 18.92%-1.4pp | 33.27%-15.7pp | 53.51%-35.9pp |
| Employer contribution / active EE | $0 | $1,503-100.0% | $2,313-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $3,255 | $3,074+5.9% | $4,085-20.3% | $4,126-21.1% |
| Admin fee / account holder | $8,810 | $6,576+34.0% | $9,256-4.8% | $7,339+20.0% |