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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 | $27,791 | $77,638-64.2% | $156,551-82.2% | $62,881-55.8% |
| Participation rate | 34.5% | 71.2%-36.7pp | 84.0%-49.5pp | 69.3%-34.8pp |
| Annual return | 5.34% | 50.33%-45.0pp | 32.23%-26.9pp | 20.14%-14.8pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $5,501-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,057 | $3,046-65.3% | $4,871-78.3% | $3,203-67.0% |
| Admin fee / account holder | $684 | $5,561-87.7% | $13,028-94.8% | $4,296-84.1% |