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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 | $32,509 | $112,729-71.2% | $98,716-67.1% | $137,256-76.3% |
| Participation rate | 42.9% | 74.2%-31.4pp | 69.3%-26.4pp | 80.0%-37.1pp |
| Annual return | 15.64% | 38.48%-22.8pp | 31.81%-16.2pp | 220.34%-204.7pp |
| Employer contribution / active EE | $2,339 | $2,725-14.2% | $2,279+2.7% | $4,156-43.7% |
| Participant deferral / active EE | $4,108 | $4,640-11.5% | $4,048+1.5% | $6,407-35.9% |
| Admin fee / account holder | $565 | $10,129-94.4% | $8,703-93.5% | $12,270-95.4% |