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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 | $39,887 | $110,278-63.8% | $95,740-58.3% | $139,466-71.4% |
| Participation rate | 62.5% | 75.7%-13.2pp | 72.3%-9.8pp | 80.3%-17.8pp |
| Annual return | 13.99% | 27.19%-13.2pp | 28.41%-14.4pp | 373.66%-359.7pp |
| Employer contribution / active EE | $1,813 | $3,260-44.4% | $2,836-36.1% | $4,754-61.9% |
| Participant deferral / active EE | $5,000 | $4,674+7.0% | $4,244+17.8% | $6,712-25.5% |
| Admin fee / account holder | $1,041 | $6,613-84.3% | $5,676-81.7% | $11,409-90.9% |