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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 | $39,597 | $126,661-68.7% | $113,397-65.1% | $138,895-71.5% |
| Participation rate | 58.3% | 79.4%-21.1pp | 76.5%-18.2pp | 79.9%-21.6pp |
| Annual return | 14.89% | 25.05%-10.2pp | 23.20%-8.3pp | 145.39%-130.5pp |
| Employer contribution / active EE | $2,974 | $3,456-14.0% | $2,977-0.1% | $4,194-29.1% |
| Participant deferral / active EE | $9,285 | $5,693+63.1% | $5,076+82.9% | $6,396+45.2% |
| Admin fee / account holder | $16,558 | $14,549+13.8% | $11,957+38.5% | $12,562+31.8% |