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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 | $50,353 | $76,551-34.2% | $123,894-59.4% | $62,881-19.9% |
| Participation rate | 58.3% | 73.0%-14.6pp | 81.4%-23.1pp | 69.3%-11.0pp |
| Annual return | 11.03% | 18.68%-7.6pp | 47.52%-36.5pp | 20.14%-9.1pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,562 | $4,840-47.1% | $5,984-57.2% | $3,203-20.0% |
| Admin fee / account holder | $4,529 | $4,826-6.2% | $8,357-45.8% | $4,296+5.4% |