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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 | $81,276-74.7% | $155,574-86.8% | $80,925-74.6% |
| Participation rate | 15.4% | 66.2%-50.9pp | 78.2%-62.8pp | 67.7%-52.3pp |
| Annual return | 13.09% | 33.36%-20.3pp | 64.87%-51.8pp | 35.65%-22.6pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $4,676-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $966 | $3,453-72.0% | $5,629-82.8% | $4,299-77.5% |
| Admin fee / account holder | $7,525 | $7,993-5.9% | $15,914-52.7% | $6,940+8.4% |