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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 | $40,624 | $135,956-70.1% | $123,894-67.2% | $273,970-85.2% |
| Participation rate | 68.8% | 84.1%-15.3pp | 81.4%-12.7pp | 83.0%-14.3pp |
| Annual return | 4.08% | 56.63%-52.5pp | 47.52%-43.4pp | 41.46%-37.4pp |
| Employer contribution / active EE | $2,688 | $5,170-48.0% | $4,617-41.8% | $4,869-44.8% |
| Participant deferral / active EE | $4,501 | $6,343-29.0% | $5,984-24.8% | $5,287-14.9% |
| Admin fee / account holder | $39,667 | $9,817+304.0% | $8,357+374.7% | $10,132+291.5% |