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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 | $67,371 | $65,395+3.0% | $182,558-63.1% | $72,976-7.7% |
| Participation rate | 31.4% | 65.4%-34.0pp | 78.0%-46.6pp | 69.5%-38.1pp |
| Annual return | 25.63% | 27.68%-2.1pp | 148.59%-123.0pp | 81.02%-55.4pp |
| Employer contribution / active EE | $0 | $1,911-100.0% | $4,076-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,445 | $3,563-31.4% | $5,526-55.8% | $3,608-32.2% |
| Admin fee / account holder | $951 | $4,245-77.6% | $8,594-88.9% | $5,124-81.4% |