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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 | $42,928 | $87,060-50.7% | $105,591-59.3% | $80,911-46.9% |
| Participation rate | 50.0% | 70.4%-20.4pp | 75.3%-25.3pp | 67.6%-17.6pp |
| Annual return | 12.88% | 17.05%-4.2pp | 116.43%-103.5pp | 35.63%-22.7pp |
| Employer contribution / active EE | $0 | $2,396-100.0% | $3,166-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,928 | $3,986-51.6% | $5,008-61.5% | $4,297-55.1% |
| Admin fee / account holder | $5,408 | $8,442-35.9% | $11,024-50.9% | $6,935-22.0% |