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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 | $77,537 | $111,814-30.7% | $103,378-25.0% | $145,978-46.9% |
| Participation rate | 38.1% | 77.9%-39.8pp | 74.5%-36.4pp | 80.3%-42.2pp |
| Annual return | 12.19% | 24.80%-12.6pp | 24.91%-12.7pp | 550.52%-538.3pp |
| Employer contribution / active EE | $1,518 | $4,215-64.0% | $3,870-60.8% | $4,662-67.4% |
| Participant deferral / active EE | $3,539 | $5,618-37.0% | $5,058-30.0% | $6,690-47.1% |
| Admin fee / account holder | $678 | $9,764-93.1% | $8,401-91.9% | $13,400-94.9% |