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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 | $39,099 | $56,544-30.9% | $75,501-48.2% | $70,126-44.2% |
| Participation rate | 51.6% | 68.1%-16.5pp | 72.4%-20.7pp | 69.5%-17.9pp |
| Annual return | 15.53% | 23.59%-8.1pp | 27.35%-11.8pp | 73.15%-57.6pp |
| Employer contribution / active EE | $0 | $1,817-100.0% | $2,352-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,797 | $2,580+8.4% | $3,142-11.0% | $3,332-16.0% |
| Admin fee / account holder | $12,725 | $3,827+232.5% | $5,801+119.4% | $4,645+173.9% |