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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 | $39,651 | $86,294-54.1% | $111,303-64.4% | $85,856-53.8% |
| Participation rate | 63.6% | 73.3%-9.7pp | 77.3%-13.7pp | 69.3%-5.7pp |
| Annual return | 13.88% | 19.99%-6.1pp | 54.66%-40.8pp | 318.58%-304.7pp |
| Employer contribution / active EE | $1,262 | $2,043-38.2% | $2,731-53.8% | $2,565-50.8% |
| Participant deferral / active EE | $3,192 | $3,641-12.3% | $4,487-28.9% | $3,952-19.2% |
| Admin fee / account holder | $6,823 | $8,189-16.7% | $7,966-14.3% | $6,261+9.0% |