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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 | $123,240 | $72,273+70.5% | $101,275+21.7% | $79,856+54.3% |
| Participation rate | 66.7% | 68.5%-1.8pp | 75.8%-9.1pp | 69.6%-3.0pp |
| Annual return | 16.97% | 22.30%-5.3pp | 46.48%-29.5pp | 31.71%-14.7pp |
| Employer contribution / active EE | $0 | $2,691-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,396 | $3,282+3.5% | $4,371-22.3% | $3,741-9.2% |
| Admin fee / account holder | $1,194 | $4,401-72.9% | $5,948-79.9% | $5,306-77.5% |