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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 | $34,449 | $101,795-66.2% | $165,100-79.1% | $80,959-57.4% |
| Participation rate | 32.1% | 71.8%-39.7pp | 78.6%-46.5pp | 67.7%-35.5pp |
| Annual return | 22.13% | 16.73%+5.4pp | 70.21%-48.1pp | 35.67%-13.5pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,348-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,213 | $4,476-28.2% | $6,035-46.8% | $4,300-25.3% |
| Admin fee / account holder | $2,564 | $8,221-68.8% | $12,696-79.8% | $6,925-63.0% |