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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 | $79,479 | $124,980-36.4% | $108,359-26.7% | $154,746-48.6% |
| Participation rate | 62.5% | 75.2%-12.7pp | 70.1%-7.6pp | 80.7%-18.2pp |
| Annual return | 14.31% | 45.00%-30.7pp | 36.89%-22.6pp | 172.34%-158.0pp |
| Employer contribution / active EE | $3,092 | $2,851+8.5% | $2,399+28.8% | $4,379-29.4% |
| Participant deferral / active EE | $3,514 | $4,743-25.9% | $4,137-15.1% | $6,730-47.8% |
| Admin fee / account holder | $405 | $11,502-96.5% | $9,741-95.8% | $14,365-97.2% |