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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 | $44,469 | $64,359-30.9% | $90,161-50.7% | $70,126-36.6% |
| Participation rate | 53.2% | 70.4%-17.2pp | 76.9%-23.6pp | 69.5%-16.3pp |
| Annual return | 23.07% | 28.13%-5.1pp | 34.89%-11.8pp | 73.15%-50.1pp |
| Employer contribution / active EE | $0 | $2,046-100.0% | $3,318-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,995 | $4,389-31.8% | $5,287-43.3% | $3,332-10.1% |
| Admin fee / account holder | $5,275 | $3,945+33.7% | $5,943-11.3% | $4,645+13.5% |