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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 | $35,651 | $58,828-39.4% | $78,002-54.3% | $62,881-43.3% |
| Participation rate | 69.8% | 71.1%-1.2pp | 75.5%-5.7pp | 69.3%+0.5pp |
| Annual return | 6.87% | 17.16%-10.3pp | 425.99%-419.1pp | 20.14%-13.3pp |
| Employer contribution / active EE | $0 | $1,672-100.0% | $2,470-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,980 | $2,686-26.3% | $3,497-43.4% | $3,203-38.2% |
| Admin fee / account holder | $3,118 | $4,393-29.0% | $5,481-43.1% | $4,296-27.4% |