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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 | $46,680 | $41,824+11.6% | $136,833-65.9% | $69,733-33.1% |
| Participation rate | 16.0% | 29.3%-13.4pp | 59.0%-43.1pp | 62.5%-46.5pp |
| Annual return | 12.08% | 13.53%-1.5pp | 35.32%-23.2pp | 15.22%-3.1pp |
| Employer contribution / active EE | $0 | $494-100.0% | $1,319-100.0% | $2,250-100.0% |
| Participant deferral / active EE | $475 | $1,105-57.0% | $2,441-80.5% | $3,054-84.5% |
| Admin fee / account holder | $3,597 | $2,895+24.2% | $4,706-23.6% | $3,102+16.0% |