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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 | $61,569 | $67,602-8.9% | $82,312-25.2% | $70,126-12.2% |
| Participation rate | 51.2% | 72.8%-21.6pp | 76.9%-25.7pp | 69.5%-18.4pp |
| Annual return | 14.05% | 21.57%-7.5pp | 25.88%-11.8pp | 73.15%-59.1pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,485 | $2,987-16.8% | $3,706-32.9% | $3,332-25.4% |
| Admin fee / account holder | $3,738 | $4,512-17.1% | $5,608-33.3% | $4,645-19.5% |