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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 | $27,139 | $81,504-66.7% | $102,437-73.5% | $80,959-66.5% |
| Participation rate | 46.9% | 66.9%-20.0pp | 74.5%-27.6pp | 67.7%-20.8pp |
| Annual return | 12.71% | 25.60%-12.9pp | 24.95%-12.2pp | 35.67%-23.0pp |
| Employer contribution / active EE | $0 | $3,104-100.0% | $3,871-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,661 | $3,871-57.1% | $5,060-67.2% | $4,300-61.4% |
| Admin fee / account holder | $5,122 | $6,719-23.8% | $8,388-38.9% | $6,925-26.0% |