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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 | $68,022 | $89,259-23.8% | $107,187-36.5% | $82,637-17.7% |
| Participation rate | 46.3% | 67.9%-21.6pp | 75.0%-28.7pp | 68.1%-21.7pp |
| Annual return | 17.67% | 21.02%-3.4pp | 204.55%-186.9pp | 53.51%-35.8pp |
| Employer contribution / active EE | $2,396 | $3,080-22.2% | $3,782-36.7% | $2,552-6.1% |
| Participant deferral / active EE | $3,798 | $4,037-5.9% | $5,096-25.5% | $4,126-7.9% |
| Admin fee / account holder | $4,888 | $7,381-33.8% | $9,162-46.6% | $7,339-33.4% |