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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 | $58,496 | $56,054+4.4% | $171,082-65.8% | $62,881-7.0% |
| Participation rate | 24.2% | 62.9%-38.6pp | 76.7%-52.5pp | 69.3%-45.1pp |
| Annual return | 6.53% | 22.52%-16.0pp | 32.56%-26.0pp | 20.14%-13.6pp |
| Employer contribution / active EE | $0 | $1,731-100.0% | $4,002-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,105 | $3,158-65.0% | $4,797-77.0% | $3,203-65.5% |
| Admin fee / account holder | $10,015 | $3,647+174.6% | $8,520+17.5% | $4,296+133.1% |