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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 | $18,425 | $48,078-61.7% | $78,676-76.6% | $62,881-70.7% |
| Participation rate | 38.1% | 65.2%-27.1pp | 73.6%-35.5pp | 69.3%-31.2pp |
| Annual return | 7.40% | 31.36%-24.0pp | 62.19%-54.8pp | 20.14%-12.7pp |
| Employer contribution / active EE | $0 | $2,015-100.0% | $2,850-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,729 | $2,587+5.5% | $3,517-22.4% | $3,203-14.8% |
| Admin fee / account holder | $426 | $3,206-86.7% | $4,510-90.6% | $4,296-90.1% |