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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 | $59,173 | $78,670-24.8% | $109,173-45.8% | $85,847-31.1% |
| Participation rate | 52.5% | 68.3%-15.8pp | 75.9%-23.4pp | 69.3%-16.8pp |
| Annual return | 15.66% | 25.09%-9.4pp | 25.75%-10.1pp | 318.61%-302.9pp |
| Employer contribution / active EE | $1,871 | $2,734-31.6% | $3,723-49.7% | $2,565-27.1% |
| Participant deferral / active EE | $5,054 | $3,467+45.8% | $4,654+8.6% | $3,952+27.9% |
| Admin fee / account holder | $3,053 | $5,469-44.2% | $6,755-54.8% | $6,261-51.2% |