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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 | $47,022 | $95,404-50.7% | $113,397-58.5% | $82,637-43.1% |
| Participation rate | 37.2% | 72.8%-35.6pp | 76.5%-39.3pp | 68.1%-30.8pp |
| Annual return | 18.89% | 19.08%-0.2pp | 23.20%-4.3pp | 53.51%-34.6pp |
| Employer contribution / active EE | $0 | $2,307-100.0% | $2,977-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $3,823 | $4,220-9.4% | $5,076-24.7% | $4,126-7.4% |
| Admin fee / account holder | $956 | $9,168-89.6% | $11,957-92.0% | $7,339-87.0% |