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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 | $94,715 | $97,751-3.1% | $103,447-8.4% | $145,877-35.1% |
| Participation rate | 38.1% | 81.1%-43.0pp | 80.5%-42.4pp | 80.3%-42.2pp |
| Annual return | 21.24% | 25.43%-4.2pp | 23.92%-2.7pp | 551.28%-530.0pp |
| Employer contribution / active EE | $3,474 | $4,684-25.8% | $4,678-25.7% | $4,663-25.5% |
| Participant deferral / active EE | $5,640 | $6,603-14.6% | $6,624-14.8% | $6,691-15.7% |
| Admin fee / account holder | $2,441 | $12,515-80.5% | $9,415-74.1% | $13,402-81.8% |