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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 | $46,552 | $171,272-72.8% | $127,803-63.6% | $152,897-69.6% |
| Participation rate | 62.5% | 83.5%-21.0pp | 79.0%-16.5pp | 82.5%-20.0pp |
| Annual return | 18.98% | 23.54%-4.6pp | 26.14%-7.2pp | 345.43%-326.4pp |
| Employer contribution / active EE | $8,324 | $5,451+52.7% | $4,576+81.9% | $4,764+74.7% |
| Participant deferral / active EE | $17,683 | $7,043+151.0% | $6,023+193.6% | $5,851+202.2% |
| Admin fee / account holder | $6,358 | $14,540-56.3% | $9,399-32.4% | $11,599-45.2% |