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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 | $51,483 | $108,825-52.7% | $156,181-67.0% | $82,448-37.6% |
| Participation rate | 30.8% | 72.4%-41.6pp | 78.8%-48.1pp | 68.1%-37.3pp |
| Annual return | 18.78% | 20.59%-1.8pp | 64.87%-46.1pp | 41.64%-22.9pp |
| Employer contribution / active EE | $0 | $2,870-100.0% | $4,294-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,553 | $4,577-44.2% | $6,132-58.4% | $4,139-38.3% |
| Admin fee / account holder | $3,240 | $9,341-65.3% | $14,586-77.8% | $7,234-55.2% |