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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 | $20,590 | $81,358-74.7% | $155,556-86.8% | $80,959-74.6% |
| Participation rate | 15.4% | 66.3%-50.9pp | 78.2%-62.8pp | 67.7%-52.3pp |
| Annual return | 13.09% | 33.39%-20.3pp | 64.84%-51.7pp | 35.67%-22.6pp |
| Employer contribution / active EE | $0 | $3,106-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $966 | $3,455-72.1% | $5,631-82.9% | $4,300-77.5% |
| Admin fee / account holder | $7,525 | $7,994-5.9% | $15,885-52.6% | $6,925+8.7% |