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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 | $43,578 | $37,446+16.4% | $77,513-43.8% | $79,852-45.4% |
| Participation rate | 20.7% | 41.5%-20.8pp | 54.2%-33.5pp | 69.6%-48.9pp |
| Annual return | 10.70% | 39.76%-29.1pp | 54.81%-44.1pp | 31.72%-21.0pp |
| Employer contribution / active EE | $0 | $637-100.0% | $987-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $522 | $1,261-58.6% | $1,861-72.0% | $3,740-86.1% |
| Admin fee / account holder | $2,819 | $2,506+12.5% | $2,859-1.4% | $5,306-46.9% |