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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 | $24,000 | $65,395-63.3% | $182,540-86.9% | $72,975-67.1% |
| Participation rate | 28.0% | 65.4%-37.4pp | 78.0%-50.0pp | 69.5%-41.5pp |
| Annual return | 21.34% | 27.68%-6.3pp | 148.58%-127.2pp | 81.01%-59.7pp |
| Employer contribution / active EE | $0 | $1,911-100.0% | $4,076-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,386 | $3,563-33.0% | $5,525-56.8% | $3,608-33.9% |
| Admin fee / account holder | $2,024 | $4,245-52.3% | $8,593-76.4% | $5,124-60.5% |