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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 | $42,885 | $67,411-36.4% | $91,004-52.9% | $70,126-38.8% |
| Participation rate | 47.2% | 71.4%-24.1pp | 75.6%-28.4pp | 69.5%-22.3pp |
| Annual return | 12.83% | -40.16%+53.0pp | 4.60%+8.2pp | 73.15%-60.3pp |
| Employer contribution / active EE | $0 | $1,786-100.0% | $2,456-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,722 | $2,823-39.0% | $3,548-51.5% | $3,332-48.3% |
| Admin fee / account holder | $466 | $4,236-89.0% | $5,417-91.4% | $4,645-90.0% |