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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 | $54,587 | $78,670-30.6% | $109,173-50.0% | $85,847-36.4% |
| Participation rate | 48.4% | 68.3%-19.9pp | 75.9%-27.5pp | 69.3%-20.9pp |
| Annual return | 13.06% | 25.09%-12.0pp | 25.75%-12.7pp | 318.61%-305.5pp |
| Employer contribution / active EE | $5,610 | $2,734+105.2% | $3,723+50.7% | $2,565+118.7% |
| Participant deferral / active EE | $4,404 | $3,467+27.0% | $4,654-5.4% | $3,952+11.4% |
| Admin fee / account holder | $8,908 | $5,469+62.9% | $6,755+31.9% | $6,261+42.3% |