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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 | $27,911 | $93,598-70.2% | $135,974-79.5% | $75,173-62.9% |
| Participation rate | 39.2% | 75.2%-36.0pp | 81.9%-42.7pp | 67.2%-28.0pp |
| Annual return | 21.28% | 30.89%-9.6pp | 68.30%-47.0pp | 160.72%-139.4pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $4,787 | $6,405-25.3% | $7,760-38.3% | $4,126+16.0% |
| Admin fee / account holder | $371 | $6,978-94.7% | $10,767-96.6% | $5,651-93.4% |