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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 | $63,931 | $100,262-36.2% | $81,370-21.4% | $145,897-56.2% |
| Participation rate | 42.9% | 74.3%-31.4pp | 69.5%-26.7pp | 80.3%-37.4pp |
| Annual return | 15.89% | 34.52%-18.6pp | 24.85%-9.0pp | 552.29%-536.4pp |
| Employer contribution / active EE | $1,993 | $2,979-33.1% | $2,464-19.1% | $4,663-57.3% |
| Participant deferral / active EE | $3,351 | $4,612-27.3% | $3,885-13.7% | $6,689-49.9% |
| Admin fee / account holder | $6,588 | $8,163-19.3% | $5,749+14.6% | $13,390-50.8% |