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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 | $68,607+41.5% | $147,027-34.0% | $64,340+50.9% |
| Participation rate | 17.8% | 50.4%-32.7pp | 73.7%-56.0pp | 55.2%-37.5pp |
| Annual return | 19.50% | 13.75%+5.8pp | 20.23%-0.7pp | 24.14%-4.6pp |
| Employer contribution / active EE | $0 | $1,554-100.0% | $3,626-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $2,104 | $2,402-12.4% | $4,933-57.3% | $2,980-29.4% |
| Admin fee / account holder | $3,386 | $3,287+3.0% | $12,223-72.3% | $3,703-8.6% |