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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 | $56,603 | $77,472-26.9% | $100,392-43.6% | $80,935-30.1% |
| Participation rate | 43.8% | 76.9%-33.2pp | 81.5%-37.8pp | 67.7%-23.9pp |
| Annual return | 16.86% | 37.26%-20.4pp | 49.45%-32.6pp | 35.66%-18.8pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,941-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,115 | $6,818-39.6% | $8,090-49.1% | $4,299-4.3% |
| Admin fee / account holder | $4,176 | $5,885-29.0% | $7,904-47.2% | $6,924-39.7% |