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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 | $60,526 | $63,809-5.1% | $81,353-25.6% | $80,935-25.2% |
| Participation rate | 53.7% | 63.9%-10.2pp | 69.5%-15.8pp | 67.7%-14.0pp |
| Annual return | 22.25% | 16.37%+5.9pp | 24.82%-2.6pp | 35.66%-13.4pp |
| Employer contribution / active EE | $0 | $1,981-100.0% | $2,464-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,174 | $3,093+2.6% | $3,885-18.3% | $4,299-26.2% |
| Admin fee / account holder | $2,424 | $5,686-57.4% | $5,766-58.0% | $6,924-65.0% |