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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 | $45,808 | $79,961-42.7% | $98,462-53.5% | $75,177-39.1% |
| Participation rate | 68.0% | 70.4%-2.4pp | 75.2%-7.2pp | 67.2%+0.8pp |
| Annual return | 17.10% | 19.75%-2.6pp | 21.17%-4.1pp | 160.75%-143.6pp |
| Employer contribution / active EE | $0 | $2,264-100.0% | $3,049-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,871 | $3,753-23.5% | $4,738-39.4% | $4,126-30.4% |
| Admin fee / account holder | $1,298 | $6,842-81.0% | $8,875-85.4% | $5,651-77.0% |