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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 | $38,649 | $110,212-64.9% | $96,534-60.0% | $139,466-72.3% |
| Participation rate | 65.2% | 78.1%-12.9pp | 76.0%-10.8pp | 80.3%-15.1pp |
| Annual return | 13.84% | 26.42%-12.6pp | 25.88%-12.0pp | 373.66%-359.8pp |
| Employer contribution / active EE | $1,928 | $3,620-46.7% | $2,965-35.0% | $4,754-59.5% |
| Participant deferral / active EE | $3,650 | $5,547-34.2% | $4,851-24.8% | $6,712-45.6% |
| Admin fee / account holder | $7,964 | $11,599-31.3% | $8,253-3.5% | $11,409-30.2% |