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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 | $39,282 | $86,919-54.8% | $102,457-61.7% | $80,911-51.5% |
| Participation rate | 25.6% | 72.4%-46.8pp | 76.5%-50.9pp | 67.6%-42.1pp |
| Annual return | 20.52% | 18.90%+1.6pp | 29.41%-8.9pp | 35.63%-15.1pp |
| Employer contribution / active EE | $0 | $2,368-100.0% | $3,022-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,979 | $4,119-27.7% | $5,054-41.1% | $4,297-30.7% |
| Admin fee / account holder | $5,349 | $8,049-33.5% | $9,451-43.4% | $6,935-22.9% |