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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 | $54,998 | $72,404-24.0% | $110,243-50.1% | $64,173-14.3% |
| Participation rate | 58.1% | 73.3%-15.2pp | 79.8%-21.7pp | 69.6%-11.5pp |
| Annual return | 2.73% | -6.29%+9.0pp | 314.76%-312.0pp | 7.63%-4.9pp |
| Employer contribution / active EE | $0 | $2,282-100.0% | $3,827-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,926 | $3,469-44.5% | $4,672-58.8% | $3,470-44.5% |
| Admin fee / account holder | $5,567 | $5,664-1.7% | $8,548-34.9% | $4,887+13.9% |