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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 | $98,310 | $56,894+72.8% | $84,753+16.0% | $62,881+56.3% |
| Participation rate | 56.8% | 68.5%-11.7pp | 76.6%-19.8pp | 69.3%-12.5pp |
| Annual return | 5.09% | 6.30%-1.2pp | 22.78%-17.7pp | 20.14%-15.1pp |
| Employer contribution / active EE | $0 | $2,400-100.0% | $3,574-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $4,042 | $2,709+49.2% | $3,712+8.9% | $3,203+26.2% |
| Admin fee / account holder | $8,652 | $3,581+141.6% | $5,333+62.2% | $4,296+101.4% |