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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 | $39,351 | $58,493-32.7% | $84,023-53.2% | $72,976-46.1% |
| Participation rate | 41.7% | 61.2%-19.6pp | 69.0%-27.4pp | 69.5%-27.8pp |
| Annual return | 19.18% | 28.93%-9.8pp | 71.32%-52.1pp | 81.02%-61.8pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $1,984-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,195 | $2,394-8.3% | $3,239-32.2% | $3,608-39.2% |
| Admin fee / account holder | $6,665 | $4,569+45.9% | $6,102+9.2% | $5,124+30.1% |