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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 | $111,276 | $89,652+24.1% | $141,197-21.2% | $65,186+70.7% |
| Participation rate | 56.2% | 74.7%-18.5pp | 82.5%-26.3pp | 70.2%-14.0pp |
| Annual return | 25.64% | 32.79%-7.2pp | 71.41%-45.8pp | 29.39%-3.7pp |
| Employer contribution / active EE | $0 | $3,065-100.0% | $4,736-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $8,286 | $5,691+45.6% | $6,710+23.5% | $3,514+135.8% |
| Admin fee / account holder | $3,572 | $569+528.3% | $10,265-65.2% | $847+321.6% |