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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 | $54,943 | $183,516-70.1% | $155,534-64.7% | $145,884-62.3% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.6pp | 80.3%-13.6pp |
| Annual return | 13.90% | 61.43%-47.5pp | 64.92%-51.0pp | 551.85%-538.0pp |
| Employer contribution / active EE | $1,653 | $5,315-68.9% | $4,675-64.6% | $4,662-64.6% |
| Participant deferral / active EE | $10,945 | $6,467+69.3% | $5,630+94.4% | $6,690+63.6% |
| Admin fee / account holder | $389 | $19,293-98.0% | $15,900-97.6% | $13,392-97.1% |