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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 | $74,813 | $87,106-14.1% | $105,607-29.2% | $80,935-7.6% |
| Participation rate | 34.8% | 70.4%-35.7pp | 75.3%-40.5pp | 67.7%-32.9pp |
| Annual return | 12.82% | 17.01%-4.2pp | 116.11%-103.3pp | 35.66%-22.8pp |
| Employer contribution / active EE | $0 | $2,396-100.0% | $3,167-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,910 | $3,986-52.1% | $5,011-61.9% | $4,299-55.6% |
| Admin fee / account holder | $31,254 | $8,447+270.0% | $10,958+185.2% | $6,924+351.4% |