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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 | $15,100 | $78,690-80.8% | $161,489-90.6% | $87,485-82.7% |
| Participation rate | 47.3% | 67.5%-20.2pp | 78.7%-31.4pp | 68.9%-21.7pp |
| Annual return | 15.35% | 32.74%-17.4pp | 89.72%-74.4pp | 26.06%-10.7pp |
| Employer contribution / active EE | $0 | $2,588-100.0% | $4,268-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,492 | $3,311-54.9% | $5,630-73.5% | $4,274-65.1% |
| Admin fee / account holder | $1,928 | $6,724-71.3% | $16,006-88.0% | $7,775-75.2% |