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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 | $91,538 | $117,859-22.3% | $102,438-10.6% | $145,959-37.3% |
| Participation rate | 47.1% | 78.6%-31.5pp | 76.5%-29.4pp | 80.3%-33.2pp |
| Annual return | 12.02% | 31.72%-19.7pp | 29.37%-17.3pp | 561.95%-549.9pp |
| Employer contribution / active EE | $0 | $3,615-100.0% | $3,024-100.0% | $4,661-100.0% |
| Participant deferral / active EE | $2,033 | $5,732-64.5% | $5,054-59.8% | $6,689-69.6% |
| Admin fee / account holder | $9,648 | $13,318-27.6% | $9,448+2.1% | $13,398-28.0% |