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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 | $49,059 | $63,365-22.6% | $91,994-46.7% | $72,975-32.8% |
| Participation rate | 64.5% | 72.5%-8.0pp | 78.6%-14.1pp | 69.5%-5.0pp |
| Annual return | 29.02% | 35.35%-6.3pp | 69.04%-40.0pp | 81.01%-52.0pp |
| Employer contribution / active EE | $0 | $2,116-100.0% | $3,453-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $10,393 | $4,883+112.8% | $5,924+75.4% | $3,608+188.1% |
| Admin fee / account holder | $2,727 | $4,670-41.6% | $7,744-64.8% | $5,124-46.8% |