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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 | $19,035 | $76,407-75.1% | $150,298-87.3% | $82,448-76.9% |
| Participation rate | 45.2% | 66.4%-21.2pp | 77.8%-32.6pp | 68.1%-22.9pp |
| Annual return | 83.31% | 39.99%+43.3pp | 62.79%+20.5pp | 41.64%+41.7pp |
| Employer contribution / active EE | $0 | $2,614-100.0% | $4,154-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $949 | $3,214-70.5% | $5,453-82.6% | $4,139-77.1% |
| Admin fee / account holder | $1,326 | $6,352-79.1% | $14,116-90.6% | $7,234-81.7% |