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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 | $46,553 | $57,073-18.4% | $85,126-45.3% | $80,925-42.5% |
| Participation rate | 30.9% | 56.4%-25.5pp | 67.5%-36.6pp | 67.7%-36.7pp |
| Annual return | 40.73% | 21.69%+19.0pp | 66.63%-25.9pp | 35.65%+5.1pp |
| Employer contribution / active EE | $0 | $1,801-100.0% | $2,731-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $3,432 | $3,113+10.2% | $4,523-24.1% | $4,299-20.2% |
| Admin fee / account holder | $9,678 | $4,988+94.0% | $6,160+57.1% | $6,940+39.5% |