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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 | $57,962 | $77,472-25.2% | $100,392-42.3% | $80,935-28.4% |
| Participation rate | 42.9% | 76.9%-34.1pp | 81.5%-38.6pp | 67.7%-24.8pp |
| Annual return | 16.73% | 37.26%-20.5pp | 49.45%-32.7pp | 35.66%-18.9pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,941-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,574 | $6,818-47.6% | $8,090-55.8% | $4,299-16.9% |
| Admin fee / account holder | $10,344 | $5,885+75.8% | $7,904+30.9% | $6,924+49.4% |