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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 | $32,449 | $45,312-28.4% | $86,233-62.4% | $67,986-52.3% |
| Participation rate | 38.5% | 42.4%-4.0pp | 69.0%-30.6pp | 57.2%-18.7pp |
| Annual return | 22.16% | 24.79%-2.6pp | 61.39%-39.2pp | 31.67%-9.5pp |
| Employer contribution / active EE | $0 | $1,160-100.0% | $2,504-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $3,641 | $2,185+66.7% | $4,559-20.1% | $3,358+8.4% |
| Admin fee / account holder | $328 | $3,295-90.1% | $8,342-96.1% | $3,203-89.8% |