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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 | $38,935 | $86,949-55.2% | $102,460-62.0% | $80,959-51.9% |
| Participation rate | 54.9% | 72.4%-17.5pp | 76.5%-21.6pp | 67.7%-12.8pp |
| Annual return | 11.87% | 18.89%-7.0pp | 29.47%-17.6pp | 35.67%-23.8pp |
| Employer contribution / active EE | $4,085 | $2,370+72.4% | $3,025+35.0% | $2,757+48.2% |
| Participant deferral / active EE | $6,469 | $4,121+57.0% | $5,056+27.9% | $4,300+50.4% |
| Admin fee / account holder | $22,015 | $8,048+173.6% | $9,460+132.7% | $6,925+217.9% |