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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 | $63,776 | $106,864-40.3% | $147,318-56.7% | $82,637-22.8% |
| Participation rate | 46.2% | 75.5%-29.3pp | 82.1%-35.8pp | 68.1%-21.8pp |
| Annual return | 24.73% | 27.49%-2.8pp | 70.43%-45.7pp | 53.51%-28.8pp |
| Employer contribution / active EE | $0 | $3,417-100.0% | $4,593-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $5,707 | $6,496-12.1% | $7,906-27.8% | $4,126+38.3% |
| Admin fee / account holder | $19,888 | $8,415+136.3% | $13,708+45.1% | $7,339+171.0% |