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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 | $54,609 | $70,486-22.5% | $100,535-45.7% | $79,856-31.6% |
| Participation rate | 56.9% | 73.6%-16.8pp | 79.4%-22.6pp | 69.6%-12.8pp |
| Annual return | 16.56% | 21.90%-5.3pp | 30.90%-14.3pp | 31.71%-15.2pp |
| Employer contribution / active EE | $0 | $2,165-100.0% | $3,419-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $7,761 | $5,182+49.8% | $6,271+23.8% | $3,741+107.5% |
| Admin fee / account holder | $22,586 | $4,480+404.1% | $8,085+179.4% | $5,306+325.6% |