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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 | $39,185 | $86,940-54.9% | $102,434-61.7% | $80,935-51.6% |
| Participation rate | 36.0% | 72.4%-36.4pp | 76.5%-40.5pp | 67.7%-31.7pp |
| Annual return | 11.18% | 18.89%-7.7pp | 29.46%-18.3pp | 35.66%-24.5pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,023-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,186 | $4,121+1.6% | $5,055-17.2% | $4,299-2.6% |
| Admin fee / account holder | $3,205 | $8,047-60.2% | $9,462-66.1% | $6,924-53.7% |