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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 | $68,731 | $81,358-15.5% | $155,556-55.8% | $80,959-15.1% |
| Participation rate | 39.0% | 66.3%-27.3pp | 78.2%-39.2pp | 67.7%-28.7pp |
| Annual return | 16.30% | 33.39%-17.1pp | 64.84%-48.5pp | 35.67%-19.4pp |
| Employer contribution / active EE | $969 | $3,106-68.8% | $4,675-79.3% | $2,757-64.9% |
| Participant deferral / active EE | $2,319 | $3,455-32.9% | $5,631-58.8% | $4,300-46.1% |
| Admin fee / account holder | $4,024 | $7,994-49.7% | $15,885-74.7% | $6,925-41.9% |