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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 | $40,669 | $63,082-35.5% | $81,726-50.2% | $79,856-49.1% |
| Participation rate | 45.7% | 67.5%-21.8pp | 72.0%-26.3pp | 69.6%-23.9pp |
| Annual return | 16.02% | 22.66%-6.6pp | 29.49%-13.5pp | 31.71%-15.7pp |
| Employer contribution / active EE | $0 | $1,795-100.0% | $4,311-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,997 | $2,780-28.2% | $7,108-71.9% | $3,741-46.6% |
| Admin fee / account holder | $6,664 | $4,428+50.5% | $5,160+29.2% | $5,306+25.6% |