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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 | $38,382 | $181,062-78.8% | $158,223-75.7% | $155,188-75.3% |
| Participation rate | 53.8% | 82.7%-28.8pp | 79.2%-25.4pp | 80.8%-27.0pp |
| Annual return | 24.28% | 57.39%-33.1pp | 52.09%-27.8pp | 148.84%-124.6pp |
| Employer contribution / active EE | $1,276 | $4,565-72.0% | $4,109-68.9% | $4,248-70.0% |
| Participant deferral / active EE | $5,974 | $6,134-2.6% | $5,467+9.3% | $6,531-8.5% |
| Admin fee / account holder | $1,369 | $18,825-92.7% | $16,047-91.5% | $14,480-90.5% |