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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 | $48,123 | $78,423-38.6% | $95,964-49.9% | $79,856-39.7% |
| Participation rate | 57.7% | 73.5%-15.8pp | 77.1%-19.4pp | 69.6%-11.9pp |
| Annual return | 12.97% | 19.37%-6.4pp | 91.64%-78.7pp | 31.71%-18.7pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,431 | $3,440-29.3% | $4,167-41.7% | $3,741-35.0% |
| Admin fee / account holder | $3,413 | $5,622-39.3% | $6,797-49.8% | $5,306-35.7% |