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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 | $33,605 | $112,729-70.2% | $98,716-66.0% | $137,256-75.5% |
| Participation rate | 60.0% | 74.2%-14.2pp | 69.3%-9.3pp | 80.0%-20.0pp |
| Annual return | 16.35% | 38.48%-22.1pp | 31.81%-15.5pp | 220.34%-204.0pp |
| Employer contribution / active EE | $989 | $2,725-63.7% | $2,279-56.6% | $4,156-76.2% |
| Participant deferral / active EE | $4,052 | $4,640-12.7% | $4,048+0.1% | $6,407-36.8% |
| Admin fee / account holder | $4,633 | $10,129-54.3% | $8,703-46.8% | $12,270-62.2% |