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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 | $56,282 | $63,082-10.8% | $81,726-31.1% | $79,856-29.5% |
| Participation rate | 56.0% | 67.5%-11.5pp | 72.0%-16.0pp | 69.6%-13.6pp |
| Annual return | 20.28% | 22.66%-2.4pp | 29.49%-9.2pp | 31.71%-11.4pp |
| Employer contribution / active EE | $0 | $1,795-100.0% | $4,311-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,933 | $2,780+77.4% | $7,108-30.6% | $3,741+31.9% |
| Admin fee / account holder | $1,863 | $4,428-57.9% | $5,160-63.9% | $5,306-64.9% |