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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 | $37,756 | $74,535-49.3% | $100,712-62.5% | $82,637-54.3% |
| Participation rate | 41.2% | 61.2%-20.0pp | 69.3%-28.1pp | 68.1%-26.9pp |
| Annual return | 14.87% | 18.92%-4.1pp | 33.27%-18.4pp | 53.51%-38.6pp |
| Employer contribution / active EE | $0 | $1,503-100.0% | $2,313-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $3,446 | $3,074+12.1% | $4,085-15.7% | $4,126-16.5% |
| Admin fee / account holder | $1,413 | $6,576-78.5% | $9,256-84.7% | $7,339-80.7% |