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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 | $38,147 | $95,404-60.0% | $113,397-66.4% | $82,637-53.8% |
| Participation rate | 55.6% | 72.8%-17.3pp | 76.5%-20.9pp | 68.1%-12.5pp |
| Annual return | 12.36% | 19.08%-6.7pp | 23.20%-10.8pp | 53.51%-41.1pp |
| Employer contribution / active EE | $0 | $2,307-100.0% | $2,977-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,020 | $4,220-52.1% | $5,076-60.2% | $4,126-51.0% |
| Admin fee / account holder | $2,433 | $9,168-73.5% | $11,957-79.6% | $7,339-66.8% |