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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 | $52,423 | $106,247-50.7% | $96,515-45.7% | $139,466-62.4% |
| Participation rate | 62.5% | 77.8%-15.3pp | 74.3%-11.8pp | 80.3%-17.8pp |
| Annual return | 17.94% | 38.47%-20.5pp | 35.73%-17.8pp | 373.66%-355.7pp |
| Employer contribution / active EE | $3,119 | $4,106-24.0% | $3,740-16.6% | $4,754-34.4% |
| Participant deferral / active EE | $4,943 | $5,456-9.4% | $4,880+1.3% | $6,712-26.4% |
| Admin fee / account holder | $2,367 | $7,885-70.0% | $6,735-64.9% | $11,409-79.3% |