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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 | $90,582 | $73,988+22.4% | $96,538-6.2% | $75,177+20.5% |
| Participation rate | 55.6% | 66.4%-10.9pp | 74.3%-18.8pp | 67.2%-11.6pp |
| Annual return | 13.98% | 26.73%-12.7pp | 35.74%-21.8pp | 160.75%-146.8pp |
| Employer contribution / active EE | $0 | $2,930-100.0% | $3,740-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,627 | $3,660-28.2% | $4,880-46.2% | $4,126-36.3% |
| Admin fee / account holder | $444 | $5,220-91.5% | $6,737-93.4% | $5,651-92.1% |