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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 | $46,956 | $124,425-62.3% | $112,040-58.1% | $137,256-65.8% |
| Participation rate | 66.7% | 79.3%-12.6pp | 76.5%-9.8pp | 80.0%-13.3pp |
| Annual return | 17.39% | 24.72%-7.3pp | 24.52%-7.1pp | 220.34%-203.0pp |
| Employer contribution / active EE | $1,364 | $3,411-60.0% | $2,954-53.8% | $4,156-67.2% |
| Participant deferral / active EE | $1,988 | $5,718-65.2% | $5,098-61.0% | $6,407-69.0% |
| Admin fee / account holder | $12,545 | $15,207-17.5% | $12,098+3.7% | $12,270+2.2% |