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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 | $45,685 | $57,590-20.7% | $86,233-47.0% | $82,448-44.6% |
| Participation rate | 55.7% | 57.9%-2.2pp | 69.0%-13.3pp | 68.1%-12.4pp |
| Annual return | 15.38% | 22.41%-7.0pp | 61.39%-46.0pp | 41.64%-26.3pp |
| Employer contribution / active EE | $2,931 | $1,655+77.1% | $2,504+17.0% | $2,551+14.9% |
| Participant deferral / active EE | $5,068 | $3,080+64.6% | $4,559+11.2% | $4,139+22.4% |
| Admin fee / account holder | $9,249 | $4,730+95.5% | $8,342+10.9% | $7,234+27.8% |