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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 | $80,182 | $81,487-1.6% | $102,412-21.7% | $80,935-0.9% |
| Participation rate | 29.4% | 66.8%-37.4pp | 74.5%-45.1pp | 67.7%-38.2pp |
| Annual return | 28.15% | 25.60%+2.6pp | 24.94%+3.2pp | 35.66%-7.5pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $3,870-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,664 | $3,871-31.2% | $5,060-47.4% | $4,299-38.0% |
| Admin fee / account holder | $444 | $6,717-93.4% | $8,388-94.7% | $6,924-93.6% |