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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 | $27,611 | $182,442-84.9% | $163,379-83.1% | $138,895-80.1% |
| Participation rate | 27.3% | 79.8%-52.5pp | 76.8%-49.5pp | 79.9%-52.6pp |
| Annual return | 12.36% | 72.74%-60.4pp | 63.41%-51.0pp | 145.39%-133.0pp |
| Employer contribution / active EE | $678 | $4,159-83.7% | $3,752-81.9% | $4,194-83.8% |
| Participant deferral / active EE | $3,739 | $6,817-45.2% | $6,282-40.5% | $6,396-41.5% |
| Admin fee / account holder | $14,084 | $10,396+35.5% | $9,818+43.5% | $12,562+12.1% |