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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 | $38,749 | $89,515-56.7% | $103,486-62.6% | $80,935-52.1% |
| Participation rate | 54.3% | 76.0%-21.7pp | 80.5%-26.3pp | 67.7%-13.4pp |
| Annual return | 22.14% | 22.82%-0.7pp | 23.93%-1.8pp | 35.66%-13.5pp |
| Employer contribution / active EE | $2,525 | $4,015-37.1% | $4,679-46.0% | $2,757-8.4% |
| Participant deferral / active EE | $4,893 | $5,463-10.4% | $6,628-26.2% | $4,299+13.8% |
| Admin fee / account holder | $3,130 | $6,527-52.1% | $9,354-66.5% | $6,924-54.8% |