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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 | $45,754 | $71,230-35.8% | $93,727-51.2% | $80,959-43.5% |
| Participation rate | 47.1% | 60.4%-13.3pp | 68.7%-21.7pp | 67.7%-20.6pp |
| Annual return | 12.38% | 11.26%+1.1pp | 133.83%-121.4pp | 35.67%-23.3pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,421-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,029 | $4,037-49.7% | $4,417-54.1% | $4,300-52.8% |
| Admin fee / account holder | $636 | $6,961-90.9% | $8,292-92.3% | $6,925-90.8% |