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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 | $43,808 | $97,550-55.1% | $120,344-63.6% | $87,485-49.9% |
| Participation rate | 40.0% | 72.8%-32.8pp | 76.7%-36.7pp | 68.9%-28.9pp |
| Annual return | 27.53% | 18.41%+9.1pp | 20.30%+7.2pp | 26.06%+1.5pp |
| Employer contribution / active EE | $0 | $2,291-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $4,440 | $4,230+5.0% | $5,135-13.5% | $4,274+3.9% |
| Admin fee / account holder | $4,171 | $9,543-56.3% | $12,742-67.3% | $7,775-46.4% |