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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 | $70,957 | $63,764+11.3% | $81,926-13.4% | $79,858-11.1% |
| Participation rate | 34.6% | 67.5%-32.9pp | 72.0%-37.4pp | 69.6%-35.0pp |
| Annual return | 10.38% | 22.66%-12.3pp | 29.49%-19.1pp | 31.72%-21.3pp |
| Employer contribution / active EE | $0 | $1,795-100.0% | $4,310-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,542 | $2,780-8.6% | $7,108-64.2% | $3,740-32.0% |
| Admin fee / account holder | $1,434 | $4,426-67.6% | $5,159-72.2% | $5,306-73.0% |