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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 | $38,493 | $77,816-50.5% | $123,549-68.8% | $64,181-40.0% |
| Participation rate | 60.4% | 74.7%-14.3pp | 82.3%-21.9pp | 69.6%-9.2pp |
| Annual return | 4.38% | 12.49%-8.1pp | 119.20%-114.8pp | 7.63%-3.3pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $3,752 | $5,240-28.4% | $6,426-41.6% | $3,470+8.1% |
| Admin fee / account holder | $15,069 | $5,519+173.0% | $9,284+62.3% | $4,887+208.3% |