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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 | $49,335 | $65,084-24.2% | $67,681-27.1% | $64,340-23.3% |
| Participation rate | 38.7% | 66.7%-28.0pp | 73.7%-35.0pp | 55.2%-16.5pp |
| Annual return | 23.63% | 20.50%+3.1pp | 590.58%-567.0pp | 24.14%-0.5pp |
| Employer contribution / active EE | $0 | $2,398-100.0% | $2,678-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $2,629 | $3,210-18.1% | $3,976-33.9% | $2,980-11.8% |
| Admin fee / account holder | $9,241 | $1,415+553.1% | $6,100+51.5% | $3,703+149.6% |