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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 | $46,688-29.0% | $189,758-82.5% | $69,733-52.5% |
| Participation rate | 19.5% | 61.7%-42.2pp | 79.8%-60.3pp | 62.5%-43.0pp |
| Annual return | 14.18% | 14.35%-0.2pp | 52.62%-38.4pp | 15.22%-1.0pp |
| Employer contribution / active EE | $0 | $1,695-100.0% | $4,767-100.0% | $2,250-100.0% |
| Participant deferral / active EE | $1,390 | $2,143-35.1% | $5,856-76.3% | $3,054-54.5% |
| Admin fee / account holder | $4,739 | $1,700+178.7% | $20,388-76.8% | $3,102+52.8% |