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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 | $39,735 | $114,013-65.1% | $103,693-61.7% | $155,188-74.4% |
| Participation rate | 7.7% | 75.2%-67.5pp | 72.6%-65.0pp | 80.8%-73.1pp |
| Annual return | 14.47% | 49.31%-34.8pp | 47.61%-33.1pp | 148.84%-134.4pp |
| Employer contribution / active EE | $944 | $3,131-69.8% | $2,920-67.7% | $4,248-77.8% |
| Participant deferral / active EE | $2,691 | $4,970-45.9% | $4,579-41.2% | $6,531-58.8% |
| Admin fee / account holder | $12,278 | $8,407+46.1% | $7,858+56.3% | $14,480-15.2% |