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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 | $50,464 | $89,367-43.5% | $141,191-64.3% | $72,975-30.8% |
| Participation rate | 28.9% | 75.1%-46.2pp | 82.5%-53.6pp | 69.5%-40.6pp |
| Annual return | 22.05% | 111.87%-89.8pp | 71.41%-49.4pp | 81.01%-59.0pp |
| Employer contribution / active EE | $0 | $3,115-100.0% | $4,736-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $3,200 | $5,419-41.0% | $6,710-52.3% | $3,608-11.3% |
| Admin fee / account holder | $3,712 | $5,957-37.7% | $10,264-63.8% | $5,124-27.6% |