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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 | $45,228 | $110,212-59.0% | $96,534-53.1% | $139,466-67.6% |
| Participation rate | 69.6% | 78.1%-8.6pp | 76.0%-6.4pp | 80.3%-10.8pp |
| Annual return | 24.57% | 26.42%-1.8pp | 25.88%-1.3pp | 373.66%-349.1pp |
| Employer contribution / active EE | $4,684 | $3,620+29.4% | $2,965+57.9% | $4,754-1.5% |
| Participant deferral / active EE | $8,484 | $5,547+52.9% | $4,851+74.9% | $6,712+26.4% |
| Admin fee / account holder | $9,085 | $11,599-21.7% | $8,253+10.1% | $11,409-20.4% |