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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 | $40,839 | $87,166-53.1% | $76,735-46.8% | $137,256-70.2% |
| Participation rate | 57.1% | 74.4%-17.2pp | 69.5%-12.4pp | 80.0%-22.8pp |
| Annual return | 13.68% | 26.50%-12.8pp | 29.77%-16.1pp | 220.34%-206.7pp |
| Employer contribution / active EE | $3,190 | $2,904+9.8% | $2,454+30.0% | $4,156-23.2% |
| Participant deferral / active EE | $3,981 | $4,726-15.8% | $4,088-2.6% | $6,407-37.9% |
| Admin fee / account holder | $1,878 | $8,403-77.7% | $7,189-73.9% | $12,270-84.7% |