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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 | $31,120 | $106,247-70.7% | $96,515-67.8% | $139,466-77.7% |
| Participation rate | 62.5% | 77.8%-15.3pp | 74.3%-11.8pp | 80.3%-17.8pp |
| Annual return | 12.04% | 38.47%-26.4pp | 35.73%-23.7pp | 373.66%-361.6pp |
| Employer contribution / active EE | $3,917 | $4,106-4.6% | $3,740+4.8% | $4,754-17.6% |
| Participant deferral / active EE | $3,559 | $5,456-34.8% | $4,880-27.1% | $6,712-47.0% |
| Admin fee / account holder | $6,293 | $7,885-20.2% | $6,735-6.6% | $11,409-44.8% |