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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 | $49,538 | $211,105-76.5% | $178,449-72.2% | $145,978-66.1% |
| Participation rate | 57.1% | 80.8%-23.6pp | 77.1%-20.0pp | 80.3%-23.1pp |
| Annual return | 12.20% | 30.19%-18.0pp | 27.09%-14.9pp | 550.52%-538.3pp |
| Employer contribution / active EE | $1,475 | $4,569-67.7% | $3,951-62.7% | $4,662-68.4% |
| Participant deferral / active EE | $2,141 | $6,959-69.2% | $6,277-65.9% | $6,690-68.0% |
| Admin fee / account holder | $15,128 | $12,017+25.9% | $10,362+46.0% | $13,400+12.9% |