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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 | $34,380 | $69,977-50.9% | $108,582-68.3% | $62,881-45.3% |
| Participation rate | 64.0% | 72.9%-8.9pp | 79.6%-15.6pp | 69.3%-5.3pp |
| Annual return | 6.53% | 10.73%-4.2pp | -51.70%+58.2pp | 20.14%-13.6pp |
| Employer contribution / active EE | $0 | $2,135-100.0% | $3,758-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,770 | $3,165-12.5% | $4,311-35.7% | $3,203-13.5% |
| Admin fee / account holder | $529 | $5,076-89.6% | $7,645-93.1% | $4,296-87.7% |