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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 | $47,307 | $103,957-54.5% | $69,182-31.6% | $273,968-82.7% |
| Participation rate | 12.5% | 67.4%-54.9pp | 55.1%-42.6pp | 83.0%-70.5pp |
| Annual return | 3.91% | 35.28%-31.4pp | -21.94%+25.8pp | 41.45%-37.5pp |
| Employer contribution / active EE | $0 | $1,781-100.0% | $1,205-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $2,250 | $2,716-17.1% | $1,896+18.6% | $5,287-57.4% |
| Admin fee / account holder | $2,605 | $3,671-29.1% | $2,697-3.4% | $10,132-74.3% |