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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 | $31,761 | $183,627-82.7% | $155,602-79.6% | $145,978-78.2% |
| Participation rate | 25.0% | 82.7%-57.7pp | 78.2%-53.2pp | 80.3%-55.3pp |
| Annual return | 16.44% | 61.32%-44.9pp | 64.81%-48.4pp | 550.52%-534.1pp |
| Employer contribution / active EE | $7,081 | $5,316+33.2% | $4,675+51.5% | $4,662+51.9% |
| Participant deferral / active EE | $6,912 | $6,466+6.9% | $5,629+22.8% | $6,690+3.3% |
| Admin fee / account holder | $14,116 | $19,327-27.0% | $15,923-11.4% | $13,400+5.3% |