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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 | $34,973 | $90,400-61.3% | $186,193-81.2% | $87,485-60.0% |
| Participation rate | 19.4% | 66.2%-46.7pp | 77.1%-57.7pp | 68.9%-49.5pp |
| Annual return | 19.97% | 22.15%-2.2pp | 78.03%-58.1pp | 26.06%-6.1pp |
| Employer contribution / active EE | $0 | $2,170-100.0% | $3,918-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,939 | $4,330-55.2% | $6,513-70.2% | $4,274-54.6% |
| Admin fee / account holder | $818 | $8,673-90.6% | $11,058-92.6% | $7,775-89.5% |