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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 | $40,248 | $93,345-56.9% | $119,126-66.2% | $87,485-54.0% |
| Participation rate | 36.8% | 68.7%-31.9pp | 75.8%-38.9pp | 68.9%-32.1pp |
| Annual return | 21.67% | 19.08%+2.6pp | 282.11%-260.4pp | 26.06%-4.4pp |
| Employer contribution / active EE | $0 | $3,172-100.0% | $4,034-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $4,090 | $4,099-0.2% | $5,318-23.1% | $4,274-4.3% |
| Admin fee / account holder | $1,363 | $8,039-83.1% | $10,693-87.3% | $7,775-82.5% |