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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 | $49,759 | $110,307-54.9% | $96,576-48.5% | $139,456-64.3% |
| Participation rate | 63.2% | 78.1%-15.0pp | 76.0%-12.8pp | 80.3%-17.2pp |
| Annual return | 22.42% | 26.40%-4.0pp | 25.87%-3.5pp | 373.45%-351.0pp |
| Employer contribution / active EE | $4,088 | $3,619+13.0% | $2,965+37.9% | $4,753-14.0% |
| Participant deferral / active EE | $7,803 | $5,547+40.7% | $4,851+60.8% | $6,711+16.3% |
| Admin fee / account holder | $3,117 | $11,597-73.1% | $8,253-62.2% | $11,407-72.7% |