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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 | $55,425 | $78,690-29.6% | $161,489-65.7% | $87,485-36.6% |
| Participation rate | 36.1% | 67.5%-31.4pp | 78.7%-42.6pp | 68.9%-32.8pp |
| Annual return | 14.02% | 32.74%-18.7pp | 89.72%-75.7pp | 26.06%-12.0pp |
| Employer contribution / active EE | $0 | $2,588-100.0% | $4,268-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,716 | $3,311-48.2% | $5,630-69.5% | $4,274-59.9% |
| Admin fee / account holder | $2,795 | $6,724-58.4% | $16,006-82.5% | $7,775-64.1% |