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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 | $75,541-26.6% | $152,093-63.6% | $82,637-32.9% |
| Participation rate | 36.1% | 66.5%-30.4pp | 77.8%-41.7pp | 68.1%-31.9pp |
| Annual return | 14.02% | 32.56%-18.5pp | 66.36%-52.3pp | 53.51%-39.5pp |
| Employer contribution / active EE | $0 | $2,622-100.0% | $4,175-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,716 | $3,206-46.5% | $5,451-68.5% | $4,126-58.4% |
| Admin fee / account holder | $2,795 | $6,405-56.4% | $14,497-80.7% | $7,339-61.9% |