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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 | $28,871 | $81,276-64.5% | $155,574-81.4% | $80,925-64.3% |
| Participation rate | 25.5% | 66.2%-40.8pp | 78.2%-52.7pp | 67.7%-42.2pp |
| Annual return | 11.30% | 33.36%-22.1pp | 64.87%-53.6pp | 35.65%-24.4pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $4,676-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $923 | $3,453-73.3% | $5,629-83.6% | $4,299-78.5% |
| Admin fee / account holder | $447 | $7,993-94.4% | $15,914-97.2% | $6,940-93.6% |