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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 | $28,212 | $77,472-63.6% | $100,392-71.9% | $80,935-65.1% |
| Participation rate | 33.3% | 76.9%-43.6pp | 81.5%-48.2pp | 67.7%-34.3pp |
| Annual return | 26.14% | 37.26%-11.1pp | 49.45%-23.3pp | 35.66%-9.5pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,941-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,949 | $6,818-56.8% | $8,090-63.6% | $4,299-31.4% |
| Admin fee / account holder | $1,919 | $5,885-67.4% | $7,904-75.7% | $6,924-72.3% |