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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 | $39,747 | $117,846-66.3% | $102,434-61.2% | $145,884-72.8% |
| Participation rate | 25.0% | 78.6%-53.6pp | 76.5%-51.5pp | 80.3%-55.3pp |
| Annual return | 10.89% | 31.90%-21.0pp | 29.46%-18.6pp | 551.85%-541.0pp |
| Employer contribution / active EE | $0 | $3,615-100.0% | $3,023-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $4,792 | $5,733-16.4% | $5,055-5.2% | $6,690-28.4% |
| Admin fee / account holder | $19,761 | $13,356+48.0% | $9,462+108.8% | $13,392+47.6% |