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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 | $32,511 | $35,183-7.6% | $73,550-55.8% | $70,126-53.6% |
| Participation rate | 46.8% | 42.9%+3.8pp | 54.9%-8.2pp | 69.5%-22.8pp |
| Annual return | 13.58% | 26.90%-13.3pp | -15.16%+28.7pp | 73.15%-59.6pp |
| Employer contribution / active EE | $0 | $709-100.0% | $1,219-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $988 | $1,220-19.0% | $1,804-45.2% | $3,332-70.3% |
| Admin fee / account holder | $6,355 | $2,302+176.1% | $2,320+174.0% | $4,645+36.8% |