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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 | $81,262-15.4% | $155,602-55.8% | $80,911-15.1% |
| Participation rate | 39.0% | 66.2%-27.3pp | 78.2%-39.2pp | 67.6%-28.7pp |
| Annual return | 16.30% | 33.34%-17.0pp | 64.81%-48.5pp | 35.63%-19.3pp |
| Employer contribution / active EE | $969 | $3,102-68.8% | $4,675-79.3% | $2,756-64.8% |
| Participant deferral / active EE | $2,319 | $3,451-32.8% | $5,629-58.8% | $4,297-46.0% |
| Admin fee / account holder | $4,024 | $7,992-49.6% | $15,923-74.7% | $6,935-42.0% |