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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 | $49,438 | $87,834-43.7% | $133,975-63.1% | $62,881-21.4% |
| Participation rate | 58.6% | 83.4%-24.8pp | 87.1%-28.4pp | 69.3%-10.7pp |
| Annual return | 16.89% | 12.05%+4.8pp | 29.29%-12.4pp | 20.14%-3.3pp |
| Employer contribution / active EE | $0 | $3,482-100.0% | $5,211-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,376 | $4,812-50.6% | $6,282-62.2% | $3,203-25.8% |
| Admin fee / account holder | $350 | $5,372-93.5% | $9,324-96.2% | $4,296-91.9% |