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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 | $83,502 | $72,027+15.9% | $185,861-55.1% | $79,856+4.6% |
| Participation rate | 31.4% | 65.8%-34.3pp | 78.0%-46.6pp | 69.6%-38.2pp |
| Annual return | 20.13% | 23.13%-3.0pp | 35.96%-15.8pp | 31.71%-11.6pp |
| Employer contribution / active EE | $0 | $1,965-100.0% | $4,088-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,049 | $3,780-45.8% | $5,634-63.6% | $3,741-45.2% |
| Admin fee / account holder | $3,802 | $4,513-15.8% | $9,503-60.0% | $5,306-28.4% |