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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 | $45,616 | $81,331-43.9% | $155,534-70.7% | $80,935-43.6% |
| Participation rate | 35.0% | 66.3%-31.3pp | 78.2%-43.2pp | 67.7%-32.7pp |
| Annual return | 13.62% | 33.37%-19.7pp | 64.92%-51.3pp | 35.66%-22.0pp |
| Employer contribution / active EE | $1,637 | $3,105-47.3% | $4,675-65.0% | $2,757-40.6% |
| Participant deferral / active EE | $0 | $3,454-100.0% | $5,630-100.0% | $4,299-100.0% |
| Admin fee / account holder | $3,053 | $7,999-61.8% | $15,900-80.8% | $6,924-55.9% |