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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 | $46,480 | $117,859-60.6% | $102,438-54.6% | $145,959-68.2% |
| Participation rate | 10.0% | 78.6%-68.6pp | 76.5%-66.5pp | 80.3%-70.3pp |
| Annual return | 10.08% | 31.72%-21.6pp | 29.37%-19.3pp | 561.95%-551.9pp |
| Employer contribution / active EE | $0 | $3,615-100.0% | $3,024-100.0% | $4,661-100.0% |
| Participant deferral / active EE | $2,190 | $5,732-61.8% | $5,054-56.7% | $6,689-67.3% |
| Admin fee / account holder | $17,323 | $13,318+30.1% | $9,448+83.4% | $13,398+29.3% |