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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 | $54,683 | $52,580+4.0% | $71,671-23.7% | $70,126-22.0% |
| Participation rate | 42.0% | 60.9%-18.9pp | 68.7%-26.8pp | 69.5%-27.6pp |
| Annual return | 15.66% | 20.25%-4.6pp | 20.65%-5.0pp | 73.15%-57.5pp |
| Employer contribution / active EE | $0 | $1,616-100.0% | $2,460-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,737 | $2,386-27.2% | $3,438-49.5% | $3,332-47.9% |
| Admin fee / account holder | $3,392 | $3,653-7.2% | $5,558-39.0% | $4,645-27.0% |