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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 | $43,235 | $78,428-44.9% | $95,960-54.9% | $79,852-45.9% |
| Participation rate | 34.5% | 73.5%-38.9pp | 77.1%-42.5pp | 69.6%-35.1pp |
| Annual return | 11.32% | 19.37%-8.1pp | 91.63%-80.3pp | 31.72%-20.4pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,129 | $3,440-38.1% | $4,167-48.9% | $3,740-43.1% |
| Admin fee / account holder | $17,066 | $5,622+203.6% | $6,797+151.1% | $5,306+221.6% |