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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 | $45,172 | $51,222-11.8% | $70,544-36.0% | $75,173-39.9% |
| Participation rate | 37.5% | 61.0%-23.5pp | 68.4%-30.9pp | 67.2%-29.7pp |
| Annual return | 22.11% | 30.06%-7.9pp | 32.79%-10.7pp | 160.72%-138.6pp |
| Employer contribution / active EE | $852 | $1,827-53.4% | $2,976-71.4% | $2,671-68.1% |
| Participant deferral / active EE | $3,699 | $2,850+29.8% | $4,568-19.0% | $4,126-10.4% |
| Admin fee / account holder | $4,635 | $4,096+13.2% | $6,427-27.9% | $5,651-18.0% |