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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 | $44,757 | $81,262-44.9% | $155,602-71.2% | $80,911-44.7% |
| Participation rate | 37.8% | 66.2%-28.4pp | 78.2%-40.4pp | 67.6%-29.8pp |
| Annual return | 14.66% | 33.34%-18.7pp | 64.81%-50.2pp | 35.63%-21.0pp |
| Employer contribution / active EE | $0 | $3,102-100.0% | $4,675-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,492 | $3,451-56.8% | $5,629-73.5% | $4,297-65.3% |
| Admin fee / account holder | $368 | $7,992-95.4% | $15,923-97.7% | $6,935-94.7% |