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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 | $38,916 | $106,267-63.4% | $96,520-59.7% | $139,456-72.1% |
| Participation rate | 54.5% | 77.8%-23.3pp | 74.3%-19.8pp | 80.3%-25.8pp |
| Annual return | 18.48% | 38.45%-20.0pp | 35.72%-17.2pp | 373.45%-355.0pp |
| Employer contribution / active EE | $1,475 | $4,105-64.1% | $3,739-60.6% | $4,753-69.0% |
| Participant deferral / active EE | $4,267 | $5,454-21.8% | $4,879-12.5% | $6,711-36.4% |
| Admin fee / account holder | $6,260 | $7,882-20.6% | $6,733-7.0% | $11,407-45.1% |