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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 | $29,033 | $89,515-67.6% | $103,486-71.9% | $80,935-64.1% |
| Participation rate | 54.5% | 76.0%-21.5pp | 80.5%-26.0pp | 67.7%-13.1pp |
| Annual return | 16.86% | 22.82%-6.0pp | 23.93%-7.1pp | 35.66%-18.8pp |
| Employer contribution / active EE | $0 | $4,015-100.0% | $4,679-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $8,452 | $5,463+54.7% | $6,628+27.5% | $4,299+96.6% |
| Admin fee / account holder | $7,937 | $6,527+21.6% | $9,354-15.1% | $6,924+14.6% |