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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 | $54,358 | $94,031-42.2% | $115,768-53.0% | $82,448-34.1% |
| Participation rate | 56.3% | 70.4%-14.2pp | 74.4%-18.1pp | 68.1%-11.8pp |
| Annual return | 15.91% | 20.61%-4.7pp | 100.46%-84.6pp | 41.64%-25.7pp |
| Employer contribution / active EE | $0 | $2,323-100.0% | $2,940-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,623 | $3,972-8.8% | $4,917-26.3% | $4,139-12.5% |
| Admin fee / account holder | $19,711 | $10,249+92.3% | $12,439+58.5% | $7,234+172.5% |