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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 | $60,442-24.4% | $96,754-52.8% | $87,485-47.8% |
| Participation rate | 55.7% | 58.7%-3.0pp | 70.3%-14.6pp | 68.9%-13.2pp |
| Annual return | 15.38% | 21.97%-6.6pp | 82.04%-66.7pp | 26.06%-10.7pp |
| Employer contribution / active EE | $2,931 | $1,691+73.3% | $2,679+9.4% | $2,596+12.9% |
| Participant deferral / active EE | $5,068 | $3,280+54.5% | $4,758+6.5% | $4,274+18.6% |
| Admin fee / account holder | $9,249 | $5,069+82.5% | $8,905+3.9% | $7,775+19.0% |