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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 | $62,410 | $115,225-45.8% | $100,712-38.0% | $138,895-55.1% |
| Participation rate | 38.5% | 74.3%-35.9pp | 69.3%-30.8pp | 79.9%-41.5pp |
| Annual return | 18.38% | 40.35%-22.0pp | 33.27%-14.9pp | 145.39%-127.0pp |
| Employer contribution / active EE | $1,627 | $2,771-41.3% | $2,313-29.7% | $4,194-61.2% |
| Participant deferral / active EE | $4,616 | $4,699-1.8% | $4,085+13.0% | $6,396-27.8% |
| Admin fee / account holder | $1,797 | $10,844-83.4% | $9,256-80.6% | $12,562-85.7% |