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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 | $43,500 | $77,920-44.2% | $149,723-70.9% | $75,177-42.1% |
| Participation rate | 25.3% | 65.6%-40.3pp | 78.8%-53.5pp | 67.2%-41.9pp |
| Annual return | 15.09% | 31.72%-16.6pp | 134.50%-119.4pp | 160.75%-145.7pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,040 | $3,411-69.5% | $5,682-81.7% | $4,126-74.8% |
| Admin fee / account holder | $491 | $5,951-91.7% | $13,215-96.3% | $5,651-91.3% |