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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 | $28,202 | $54,590-48.3% | $81,716-65.5% | $73,493-61.6% |
| Participation rate | 53.5% | 68.3%-14.8pp | 72.0%-18.5pp | 70.7%-17.2pp |
| Annual return | 17.87% | 17.74%+0.1pp | 29.49%-11.6pp | 28.51%-10.6pp |
| Employer contribution / active EE | $0 | $1,636-100.0% | $4,310-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $1,253 | $2,759-54.6% | $7,108-82.4% | $3,740-66.5% |
| Admin fee / account holder | $414 | $592-30.0% | $5,159-92.0% | $513-19.3% |