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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 | $39,552 | $45,087-12.3% | $69,483-43.1% | $72,976-45.8% |
| Participation rate | 42.5% | 68.5%-26.0pp | 74.6%-32.1pp | 69.5%-27.0pp |
| Annual return | 16.75% | 22.67%-5.9pp | 28.99%-12.2pp | 81.02%-64.3pp |
| Employer contribution / active EE | $0 | $2,055-100.0% | $2,780-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $3,692 | $2,603+41.8% | $3,537+4.4% | $3,608+2.3% |
| Admin fee / account holder | $5,779 | $3,057+89.1% | $3,841+50.5% | $5,124+12.8% |