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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 | $41,016-19.2% | $152,093-78.2% | $64,097-48.3% |
| Participation rate | 19.5% | 51.3%-31.9pp | 77.8%-58.3pp | 55.2%-35.7pp |
| Annual return | 14.18% | 39.60%-25.4pp | 66.36%-52.2pp | 34.64%-20.5pp |
| Employer contribution / active EE | $0 | $1,342-100.0% | $4,175-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $1,390 | $1,927-27.9% | $5,451-74.5% | $3,080-54.9% |
| Admin fee / account holder | $4,739 | $2,305+105.6% | $14,497-67.3% | $3,454+37.2% |