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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 | $31,531 | $126,113-75.0% | $116,096-72.8% | $155,188-79.7% |
| Participation rate | 56.3% | 75.1%-18.9pp | 73.3%-17.1pp | 80.8%-24.6pp |
| Annual return | 16.87% | 391.72%-374.9pp | 326.25%-309.4pp | 148.84%-132.0pp |
| Employer contribution / active EE | $1,800 | $2,672-32.6% | $2,503-28.1% | $4,248-57.6% |
| Participant deferral / active EE | $4,296 | $4,162+3.2% | $3,952+8.7% | $6,531-34.2% |
| Admin fee / account holder | $3,493 | $8,045-56.6% | $7,704-54.7% | $14,480-75.9% |