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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 | $39,137 | $72,404-45.9% | $110,243-64.5% | $64,173-39.0% |
| Participation rate | 37.7% | 73.3%-35.6pp | 79.8%-42.1pp | 69.6%-31.8pp |
| Annual return | 2.39% | -6.29%+8.7pp | 314.76%-312.4pp | 7.63%-5.2pp |
| Employer contribution / active EE | $0 | $2,282-100.0% | $3,827-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,580 | $3,469-25.6% | $4,672-44.8% | $3,470-25.6% |
| Admin fee / account holder | $9,748 | $5,664+72.1% | $8,548+14.0% | $4,887+99.4% |