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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 | $24,409 | $60,795-59.9% | $69,464-64.9% | $65,185-62.6% |
| Participation rate | 43.0% | 74.9%-31.9pp | 74.6%-31.6pp | 70.2%-27.2pp |
| Annual return | 25.03% | 17.46%+7.6pp | 28.98%-4.0pp | 29.38%-4.4pp |
| Employer contribution / active EE | $0 | $2,452-100.0% | $2,779-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $1,949 | $3,162-38.4% | $3,536-44.9% | $3,514-44.5% |
| Admin fee / account holder | $645 | $314+105.7% | $3,840-83.2% | $847-23.8% |