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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 | $56,203 | $101,795-44.8% | $165,100-66.0% | $80,959-30.6% |
| Participation rate | 51.6% | 71.8%-20.2pp | 78.6%-27.0pp | 67.7%-16.1pp |
| Annual return | 13.32% | 16.73%-3.4pp | 70.21%-56.9pp | 35.67%-22.3pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,348-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,039 | $4,476-32.1% | $6,035-49.7% | $4,300-29.3% |
| Admin fee / account holder | $1,436 | $8,221-82.5% | $12,696-88.7% | $6,925-79.3% |