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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 | $37,475 | $51,638-27.4% | $68,368-45.2% | $82,448-54.5% |
| Participation rate | 15.5% | 63.6%-48.1pp | 73.8%-58.2pp | 68.1%-52.6pp |
| Annual return | 14.54% | 37.53%-23.0pp | 292.57%-278.0pp | 41.64%-27.1pp |
| Employer contribution / active EE | $0 | $2,047-100.0% | $2,649-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $835 | $2,914-71.3% | $4,123-79.7% | $4,139-79.8% |
| Admin fee / account holder | $5,840 | $4,643+25.8% | $5,150+13.4% | $7,234-19.3% |