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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 | $50,257 | $114,013-55.9% | $103,693-51.5% | $155,188-67.6% |
| Participation rate | 61.5% | 75.2%-13.7pp | 72.6%-11.1pp | 80.8%-19.3pp |
| Annual return | 11.65% | 49.31%-37.7pp | 47.61%-36.0pp | 148.84%-137.2pp |
| Employer contribution / active EE | $2,380 | $3,131-24.0% | $2,920-18.5% | $4,248-44.0% |
| Participant deferral / active EE | $5,432 | $4,970+9.3% | $4,579+18.6% | $6,531-16.8% |
| Admin fee / account holder | $7,502 | $8,407-10.8% | $7,858-4.5% | $14,480-48.2% |