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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 | $37,371 | $73,787-49.4% | $98,716-62.1% | $82,448-54.7% |
| Participation rate | 37.0% | 61.4%-24.4pp | 69.3%-32.3pp | 68.1%-31.0pp |
| Annual return | 13.55% | 18.57%-5.0pp | 31.81%-18.3pp | 41.64%-28.1pp |
| Employer contribution / active EE | $0 | $1,511-100.0% | $2,279-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,600 | $3,081-15.6% | $4,048-35.8% | $4,139-37.2% |
| Admin fee / account holder | $439 | $6,500-93.2% | $8,703-95.0% | $7,234-93.9% |