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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 | $42,681 | $57,352-25.6% | $83,831-49.1% | $64,173-33.5% |
| Participation rate | 25.9% | 68.6%-42.7pp | 76.1%-50.2pp | 69.6%-43.6pp |
| Annual return | 4.56% | 11.38%-6.8pp | 850.99%-846.4pp | 7.63%-3.1pp |
| Employer contribution / active EE | $0 | $2,546-100.0% | $3,631-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,505 | $2,993-49.7% | $4,082-63.1% | $3,470-56.6% |
| Admin fee / account holder | $7,852 | $4,046+94.1% | $5,479+43.3% | $4,887+60.7% |