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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 | $53,309 | $88,707-39.9% | $74,184-28.1% | $273,972-80.5% |
| Participation rate | 52.6% | 79.4%-26.8pp | 76.6%-24.0pp | 83.0%-30.4pp |
| Annual return | 6.46% | 11.94%-5.5pp | 17.74%-11.3pp | 41.46%-35.0pp |
| Employer contribution / active EE | $0 | $3,159-100.0% | $2,370-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $1,315 | $4,212-68.8% | $3,550-62.9% | $5,287-75.1% |
| Admin fee / account holder | $16,031 | $8,717+83.9% | $5,586+187.0% | $10,133+58.2% |