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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 | $71,732 | $63,845+12.4% | $81,370-11.8% | $80,959-11.4% |
| Participation rate | 36.7% | 63.9%-27.2pp | 69.5%-32.9pp | 67.7%-31.0pp |
| Annual return | 14.06% | 16.37%-2.3pp | 24.85%-10.8pp | 35.67%-21.6pp |
| Employer contribution / active EE | $0 | $1,980-100.0% | $2,464-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,356 | $3,093-56.2% | $3,885-65.1% | $4,300-68.5% |
| Admin fee / account holder | $4,106 | $5,688-27.8% | $5,749-28.6% | $6,925-40.7% |