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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 | $40,467 | $160,040-74.7% | $147,096-72.5% | $145,877-72.3% |
| Participation rate | 45.5% | 84.0%-38.6pp | 82.2%-36.7pp | 80.3%-34.8pp |
| Annual return | 15.15% | 98.49%-83.3pp | 419.75%-404.6pp | 551.28%-536.1pp |
| Employer contribution / active EE | $3,102 | $5,289-41.3% | $4,936-37.1% | $4,663-33.5% |
| Participant deferral / active EE | $5,335 | $8,429-36.7% | $8,071-33.9% | $6,691-20.3% |
| Admin fee / account holder | $651 | $15,050-95.7% | $13,005-95.0% | $13,402-95.1% |