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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 | $55,589 | $96,052-42.1% | $118,106-52.9% | $87,485-36.5% |
| Participation rate | 31.3% | 77.0%-45.8pp | 81.9%-50.6pp | 68.9%-37.7pp |
| Annual return | 18.70% | 24.16%-5.5pp | 19.44%-0.7pp | 26.06%-7.4pp |
| Employer contribution / active EE | $0 | $3,939-100.0% | $4,698-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,934 | $5,793-49.4% | $6,619-55.7% | $4,274-31.3% |
| Admin fee / account holder | $1,070 | $7,618-85.9% | $8,973-88.1% | $7,775-86.2% |