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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 | $68,813 | $78,423-12.3% | $95,964-28.3% | $79,856-13.8% |
| Participation rate | 54.5% | 73.5%-18.9pp | 77.1%-22.5pp | 69.6%-15.1pp |
| Annual return | 10.28% | 19.37%-9.1pp | 91.64%-81.4pp | 31.71%-21.4pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,490 | $3,440-27.6% | $4,167-40.2% | $3,741-33.4% |
| Admin fee / account holder | $2,007 | $5,622-64.3% | $6,797-70.5% | $5,306-62.2% |