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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 | $125,778-74.9% | $114,563-72.5% | $154,746-79.6% |
| Participation rate | 56.3% | 75.2%-18.9pp | 72.9%-16.7pp | 80.7%-24.5pp |
| Annual return | 16.87% | 295.14%-278.3pp | 241.09%-224.2pp | 172.34%-155.5pp |
| Employer contribution / active EE | $1,800 | $2,806-35.8% | $2,592-30.6% | $4,379-58.9% |
| Participant deferral / active EE | $4,296 | $4,445-3.3% | $4,142+3.7% | $6,730-36.2% |
| Admin fee / account holder | $3,493 | $8,190-57.4% | $7,623-54.2% | $14,365-75.7% |