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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 | $64,094 | $58,848+8.9% | $88,179-27.3% | $82,637-22.4% |
| Participation rate | 42.9% | 57.9%-15.0pp | 69.1%-26.3pp | 68.1%-25.2pp |
| Annual return | 24.81% | 22.76%+2.1pp | 64.97%-40.2pp | 53.51%-28.7pp |
| Employer contribution / active EE | $1,468 | $1,678-12.5% | $2,549-42.4% | $2,552-42.5% |
| Participant deferral / active EE | $2,352 | $3,124-24.7% | $4,614-49.0% | $4,126-43.0% |
| Admin fee / account holder | $2,512 | $4,795-47.6% | $7,673-67.3% | $7,339-65.8% |