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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 | $67,255 | $110,337-39.0% | $102,383-34.3% | $145,877-53.9% |
| Participation rate | 60.0% | 77.9%-17.9pp | 74.5%-14.5pp | 80.3%-20.3pp |
| Annual return | 12.90% | 24.83%-11.9pp | 24.94%-12.0pp | 551.28%-538.4pp |
| Employer contribution / active EE | $3,057 | $4,216-27.5% | $3,870-21.0% | $4,663-34.4% |
| Participant deferral / active EE | $9,222 | $5,621+64.1% | $5,060+82.3% | $6,691+37.8% |
| Admin fee / account holder | $4,720 | $9,750-51.6% | $8,391-43.8% | $13,402-64.8% |