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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 | $80,142 | $110,410-27.4% | $102,437-21.8% | $145,897-45.1% |
| Participation rate | 59.1% | 77.9%-18.8pp | 74.5%-15.4pp | 80.3%-21.2pp |
| Annual return | 14.03% | 24.85%-10.8pp | 24.95%-10.9pp | 552.29%-538.3pp |
| Employer contribution / active EE | $2,327 | $4,217-44.8% | $3,871-39.9% | $4,663-50.1% |
| Participant deferral / active EE | $5,991 | $5,622+6.6% | $5,060+18.4% | $6,689-10.4% |
| Admin fee / account holder | $8,074 | $9,745-17.1% | $8,388-3.7% | $13,390-39.7% |