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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 | $45,314 | $48,364-6.3% | $71,796-36.9% | $62,881-27.9% |
| Participation rate | 55.3% | 60.6%-5.4pp | 69.1%-13.8pp | 69.3%-14.0pp |
| Annual return | 7.63% | 13.16%-5.5pp | 78.04%-70.4pp | 20.14%-12.5pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $1,924-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,170 | $2,091-44.0% | $2,794-58.1% | $3,203-63.5% |
| Admin fee / account holder | $1,350 | $3,771-64.2% | $4,815-72.0% | $4,296-68.6% |