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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 | $27,872 | $72,272-61.4% | $101,264-72.5% | $79,858-65.1% |
| Participation rate | 54.3% | 68.5%-14.1pp | 75.8%-21.5pp | 69.6%-15.3pp |
| Annual return | 19.41% | 22.30%-2.9pp | 46.48%-27.1pp | 31.72%-12.3pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,859 | $3,282+17.6% | $4,370-11.7% | $3,740+3.2% |
| Admin fee / account holder | $430 | $4,401-90.2% | $5,947-92.8% | $5,306-91.9% |