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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 | $75,395 | $67,894+11.0% | $89,340-15.6% | $82,448-8.6% |
| Participation rate | 48.1% | 64.0%-15.9pp | 69.6%-21.4pp | 68.1%-19.9pp |
| Annual return | 14.73% | 19.21%-4.5pp | 20.57%-5.8pp | 41.64%-26.9pp |
| Employer contribution / active EE | $0 | $1,828-100.0% | $2,231-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,849 | $3,072-7.3% | $3,823-25.5% | $4,139-31.2% |
| Admin fee / account holder | $1,685 | $5,723-70.6% | $6,704-74.9% | $7,234-76.7% |