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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 | $36,913 | $56,894-35.1% | $84,753-56.4% | $62,881-41.3% |
| Participation rate | 55.6% | 68.5%-13.0pp | 76.6%-21.0pp | 69.3%-13.7pp |
| Annual return | 7.66% | 6.30%+1.4pp | 22.78%-15.1pp | 20.14%-12.5pp |
| Employer contribution / active EE | $0 | $2,400-100.0% | $3,574-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,155 | $2,709-20.5% | $3,712-41.9% | $3,203-32.7% |
| Admin fee / account holder | $1,821 | $3,581-49.1% | $5,333-65.9% | $4,296-57.6% |