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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 | $18,039 | $77,638-76.8% | $156,551-88.5% | $62,881-71.3% |
| Participation rate | 45.2% | 71.2%-26.0pp | 84.0%-38.9pp | 69.3%-24.1pp |
| Annual return | 4.94% | 50.33%-45.4pp | 32.23%-27.3pp | 20.14%-15.2pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $5,501-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,643 | $3,046-46.1% | $4,871-66.3% | $3,203-48.7% |
| Admin fee / account holder | $1,956 | $5,561-64.8% | $13,028-85.0% | $4,296-54.5% |