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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 | $69,916 | $87,132-19.8% | $105,624-33.8% | $80,959-13.6% |
| Participation rate | 52.5% | 70.4%-17.9pp | 75.3%-22.7pp | 67.7%-15.1pp |
| Annual return | 12.67% | 17.03%-4.4pp | 116.20%-103.5pp | 35.67%-23.0pp |
| Employer contribution / active EE | $0 | $2,397-100.0% | $3,168-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,514 | $3,985-36.9% | $5,013-49.8% | $4,300-41.5% |
| Admin fee / account holder | $3,722 | $8,449-56.0% | $10,961-66.0% | $6,925-46.3% |