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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 | $75,998 | $86,922-12.6% | $102,438-25.8% | $80,874-6.0% |
| Participation rate | 43.7% | 72.4%-28.7pp | 76.5%-32.8pp | 67.6%-24.0pp |
| Annual return | 16.96% | 18.90%-1.9pp | 29.37%-12.4pp | 35.62%-18.7pp |
| Employer contribution / active EE | $0 | $2,369-100.0% | $3,024-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,291 | $4,119-44.4% | $5,054-54.7% | $4,297-46.7% |
| Admin fee / account holder | $833 | $8,050-89.6% | $9,448-91.2% | $6,935-88.0% |