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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 | $29,891 | $86,949-65.6% | $102,460-70.8% | $80,959-63.1% |
| Participation rate | 57.4% | 72.4%-15.0pp | 76.5%-19.2pp | 67.7%-10.3pp |
| Annual return | 12.85% | 18.89%-6.0pp | 29.47%-16.6pp | 35.67%-22.8pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,025-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,988 | $4,121-3.2% | $5,056-21.1% | $4,300-7.3% |
| Admin fee / account holder | $528 | $8,048-93.4% | $9,460-94.4% | $6,925-92.4% |