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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 | $37,943 | $63,703-40.4% | $93,063-59.2% | $82,448-54.0% |
| Participation rate | 60.6% | 63.8%-3.2pp | 72.1%-11.5pp | 68.1%-7.5pp |
| Annual return | 16.87% | -775.43%+792.3pp | 34.15%-17.3pp | 41.64%-24.8pp |
| Employer contribution / active EE | $0 | $1,729-100.0% | $2,476-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,211 | $2,919+10.0% | $3,958-18.9% | $4,139-22.4% |
| Admin fee / account holder | $7,411 | $5,982+23.9% | $6,033+22.8% | $7,234+2.4% |