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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 | $43,624 | $111,814-61.0% | $103,378-57.8% | $145,978-70.1% |
| Participation rate | 59.1% | 77.9%-18.8pp | 74.5%-15.4pp | 80.3%-21.2pp |
| Annual return | 10.69% | 24.80%-14.1pp | 24.91%-14.2pp | 550.52%-539.8pp |
| Employer contribution / active EE | $2,175 | $4,215-48.4% | $3,870-43.8% | $4,662-53.3% |
| Participant deferral / active EE | $5,766 | $5,618+2.6% | $5,058+14.0% | $6,690-13.8% |
| Admin fee / account holder | $12,477 | $9,764+27.8% | $8,401+48.5% | $13,400-6.9% |