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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 | $64,890+49.6% | $134,172-27.6% | $67,986+42.8% |
| Participation rate | 17.8% | 48.5%-30.8pp | 72.5%-54.7pp | 57.2%-39.5pp |
| Annual return | 19.50% | 16.12%+3.4pp | 25.30%-5.8pp | 31.67%-12.2pp |
| Employer contribution / active EE | $0 | $1,360-100.0% | $3,420-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $2,104 | $2,289-8.1% | $4,690-55.1% | $3,358-37.3% |
| Admin fee / account holder | $3,386 | $3,140+7.8% | $12,016-71.8% | $3,203+5.7% |