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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 | $69,196 | $75,058-7.8% | $152,301-54.6% | $64,340+7.5% |
| Participation rate | 26.9% | 60.9%-34.0pp | 82.4%-55.6pp | 55.2%-28.4pp |
| Annual return | 18.41% | 29.93%-11.5pp | 80.50%-62.1pp | 24.14%-5.7pp |
| Employer contribution / active EE | $0 | $2,605-100.0% | $4,624-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $4,349 | $5,041-13.7% | $8,004-45.7% | $2,980+45.9% |
| Admin fee / account holder | $2,019 | $4,050-50.2% | $14,398-86.0% | $3,703-45.5% |