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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 | $43,005 | $62,586-31.3% | $76,766-44.0% | $64,181-33.0% |
| Participation rate | 65.1% | 72.8%-7.7pp | 77.0%-11.8pp | 69.6%-4.5pp |
| Annual return | 3.51% | -1.95%+5.5pp | 2.43%+1.1pp | 7.63%-4.1pp |
| Employer contribution / active EE | $0 | $1,832-100.0% | $2,485-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,993 | $3,145-4.8% | $3,851-22.3% | $3,470-13.7% |
| Admin fee / account holder | $2,503 | $4,667-46.4% | $6,675-62.5% | $4,887-48.8% |