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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 | $72,717 | $70,486+3.2% | $100,535-27.7% | $79,856-8.9% |
| Participation rate | 48.8% | 73.6%-24.8pp | 79.4%-30.6pp | 69.6%-20.8pp |
| Annual return | 12.79% | 21.90%-9.1pp | 30.90%-18.1pp | 31.71%-18.9pp |
| Employer contribution / active EE | $0 | $2,165-100.0% | $3,419-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,308 | $5,182-55.5% | $6,271-63.2% | $3,741-38.3% |
| Admin fee / account holder | $13,047 | $4,480+191.2% | $8,085+61.4% | $5,306+145.9% |