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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 | $57,061-18.4% | $85,063-45.3% | $80,911-42.5% |
| Participation rate | 30.9% | 56.3%-25.4pp | 67.5%-36.6pp | 67.6%-36.7pp |
| Annual return | 40.73% | 21.66%+19.1pp | 66.54%-25.8pp | 35.63%+5.1pp |
| Employer contribution / active EE | $0 | $1,799-100.0% | $2,727-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $3,432 | $3,110+10.3% | $4,523-24.1% | $4,297-20.1% |
| Admin fee / account holder | $9,678 | $4,986+94.1% | $6,155+57.2% | $6,935+39.6% |