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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 | $72,607+3.8% | $90,259-16.5% | $87,485-13.8% |
| Participation rate | 48.1% | 64.8%-16.7pp | 70.7%-22.6pp | 68.9%-20.8pp |
| Annual return | 14.73% | 18.59%-3.9pp | 18.88%-4.1pp | 26.06%-11.3pp |
| Employer contribution / active EE | $0 | $1,919-100.0% | $2,291-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,849 | $3,055-6.7% | $3,827-25.6% | $4,274-33.3% |
| Admin fee / account holder | $1,685 | $5,947-71.7% | $7,267-76.8% | $7,775-78.3% |