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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 | $64,818 | $77,638-16.5% | $156,551-58.6% | $62,881+3.1% |
| Participation rate | 57.7% | 71.2%-13.5pp | 84.0%-26.3pp | 69.3%-11.6pp |
| Annual return | 12.02% | 50.33%-38.3pp | 32.23%-20.2pp | 20.14%-8.1pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $5,501-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $4,329 | $3,046+42.1% | $4,871-11.1% | $3,203+35.2% |
| Admin fee / account holder | $12,570 | $5,561+126.0% | $13,028-3.5% | $4,296+192.6% |