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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 | $98,688 | $93,345+5.7% | $119,126-17.2% | $87,485+12.8% |
| Participation rate | 22.5% | 68.7%-46.2pp | 75.8%-53.3pp | 68.9%-46.4pp |
| Annual return | 14.56% | 19.08%-4.5pp | 282.11%-267.5pp | 26.06%-11.5pp |
| Employer contribution / active EE | $0 | $3,172-100.0% | $4,034-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,851 | $4,099-54.8% | $5,318-65.2% | $4,274-56.7% |
| Admin fee / account holder | $9,483 | $8,039+18.0% | $10,693-11.3% | $7,775+22.0% |