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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 | $31,163 | $57,119-45.4% | $85,187-63.4% | $80,935-61.5% |
| Participation rate | 26.8% | 56.4%-29.6pp | 67.5%-40.7pp | 67.7%-40.8pp |
| Annual return | 11.47% | 21.70%-10.2pp | 66.67%-55.2pp | 35.66%-24.2pp |
| Employer contribution / active EE | $0 | $1,802-100.0% | $2,732-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,892 | $3,115-7.2% | $4,525-36.1% | $4,299-32.7% |
| Admin fee / account holder | $1,876 | $4,990-62.4% | $6,162-69.5% | $6,924-72.9% |