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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 | $31,857 | $106,280-70.0% | $96,538-67.0% | $139,487-77.2% |
| Participation rate | 66.7% | 77.8%-11.2pp | 74.3%-7.7pp | 80.3%-13.7pp |
| Annual return | 18.80% | 38.48%-19.7pp | 35.74%-16.9pp | 373.84%-355.0pp |
| Employer contribution / active EE | $1,094 | $4,107-73.4% | $3,740-70.8% | $4,755-77.0% |
| Participant deferral / active EE | $4,459 | $5,457-18.3% | $4,880-8.6% | $6,713-33.6% |
| Admin fee / account holder | $2,145 | $7,888-72.8% | $6,737-68.2% | $11,407-81.2% |