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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 | $35,112 | $57,590-39.0% | $86,233-59.3% | $82,448-57.4% |
| Participation rate | 22.2% | 57.9%-35.6pp | 69.0%-46.8pp | 68.1%-45.8pp |
| Annual return | 26.07% | 22.41%+3.7pp | 61.39%-35.3pp | 41.64%-15.6pp |
| Employer contribution / active EE | $0 | $1,655-100.0% | $2,504-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $904 | $3,080-70.7% | $4,559-80.2% | $4,139-78.2% |
| Admin fee / account holder | $1,592 | $4,730-66.3% | $8,342-80.9% | $7,234-78.0% |