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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 | $33,150 | $45,343-26.9% | $150,298-77.9% | $67,986-51.2% |
| Participation rate | 19.5% | 51.9%-32.4pp | 77.8%-58.3pp | 57.2%-37.7pp |
| Annual return | 14.18% | 33.28%-19.1pp | 62.79%-48.6pp | 31.67%-17.5pp |
| Employer contribution / active EE | $0 | $1,462-100.0% | $4,154-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,390 | $2,055-32.3% | $5,453-74.5% | $3,358-58.6% |
| Admin fee / account holder | $4,739 | $2,250+110.6% | $14,116-66.4% | $3,203+47.9% |