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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 | $44,530 | $84,236-47.1% | $170,435-73.9% | $70,126-36.5% |
| Participation rate | 47.4% | 70.8%-23.5pp | 83.6%-36.2pp | 69.5%-22.2pp |
| Annual return | 16.53% | 23.06%-6.5pp | 205.94%-189.4pp | 73.15%-56.6pp |
| Employer contribution / active EE | $0 | $3,387-100.0% | $5,432-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,767 | $3,086-42.7% | $4,939-64.2% | $3,332-47.0% |
| Admin fee / account holder | $15,149 | $5,698+165.9% | $13,881+9.1% | $4,645+226.1% |