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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 | $45,471 | $89,367-49.1% | $141,191-67.8% | $72,975-37.7% |
| Participation rate | 35.5% | 75.1%-39.6pp | 82.5%-46.9pp | 69.5%-34.0pp |
| Annual return | 20.98% | 111.87%-90.9pp | 71.41%-50.4pp | 81.01%-60.0pp |
| Employer contribution / active EE | $0 | $3,115-100.0% | $4,736-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $5,474 | $5,419+1.0% | $6,710-18.4% | $3,608+51.7% |
| Admin fee / account holder | $3,973 | $5,957-33.3% | $10,264-61.3% | $5,124-22.5% |