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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 | $23,711 | $77,920-69.6% | $149,723-84.2% | $75,177-68.5% |
| Participation rate | 28.6% | 65.6%-37.0pp | 78.8%-50.2pp | 67.2%-38.6pp |
| Annual return | 20.97% | 31.72%-10.8pp | 134.50%-113.5pp | 160.75%-139.8pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,536 | $3,411-25.7% | $5,682-55.4% | $4,126-38.5% |
| Admin fee / account holder | $2,446 | $5,951-58.9% | $13,215-81.5% | $5,651-56.7% |