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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 | $12,113 | $172,111-93.0% | $150,298-91.9% | $137,256-91.2% |
| Participation rate | 37.5% | 81.7%-44.2pp | 77.8%-40.3pp | 80.0%-42.5pp |
| Annual return | 21.83% | 69.37%-47.5pp | 62.79%-41.0pp | 220.34%-198.5pp |
| Employer contribution / active EE | $1,746 | $4,636-62.4% | $4,154-58.0% | $4,156-58.0% |
| Participant deferral / active EE | $1,951 | $6,166-68.4% | $5,453-64.2% | $6,407-69.6% |
| Admin fee / account holder | $4,635 | $16,471-71.9% | $14,116-67.2% | $12,270-62.2% |