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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 | $14,230 | $85,060-83.3% | $70,565-79.8% | $139,487-89.8% |
| Participation rate | 41.2% | 73.9%-32.7pp | 68.4%-27.2pp | 80.3%-39.2pp |
| Annual return | 23.76% | 30.39%-6.6pp | 32.79%-9.0pp | 373.84%-350.1pp |
| Employer contribution / active EE | $2,152 | $3,912-45.0% | $2,976-27.7% | $4,755-54.7% |
| Participant deferral / active EE | $5,406 | $5,891-8.2% | $4,568+18.3% | $6,713-19.5% |
| Admin fee / account holder | $454 | $8,932-94.9% | $6,430-92.9% | $11,407-96.0% |