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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 | $97,074 | $77,094+25.9% | $173,703-44.1% | $69,733+39.2% |
| Participation rate | 17.8% | 55.7%-38.0pp | 75.9%-58.2pp | 62.5%-44.7pp |
| Annual return | 19.50% | 11.44%+8.1pp | 17.46%+2.0pp | 15.22%+4.3pp |
| Employer contribution / active EE | $0 | $1,704-100.0% | $4,288-100.0% | $2,250-100.0% |
| Participant deferral / active EE | $2,104 | $2,355-10.7% | $4,854-56.7% | $3,054-31.1% |
| Admin fee / account holder | $3,386 | $2,291+47.8% | $15,562-78.2% | $3,102+9.2% |