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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 | $81,698 | $84,236-3.0% | $170,435-52.1% | $70,126+16.5% |
| Participation rate | 35.1% | 70.8%-35.7pp | 83.6%-48.5pp | 69.5%-34.5pp |
| Annual return | 15.64% | 23.06%-7.4pp | 205.94%-190.3pp | 73.15%-57.5pp |
| Employer contribution / active EE | $0 | $3,387-100.0% | $5,432-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,810 | $3,086-41.3% | $4,939-63.3% | $3,332-45.7% |
| Admin fee / account holder | $18,238 | $5,698+220.1% | $13,881+31.4% | $4,645+292.6% |