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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 | $59,447 | $86,949-31.6% | $102,460-42.0% | $80,959-26.6% |
| Participation rate | 55.2% | 72.4%-17.2pp | 76.5%-21.3pp | 67.7%-12.5pp |
| Annual return | 14.26% | 18.89%-4.6pp | 29.47%-15.2pp | 35.67%-21.4pp |
| Employer contribution / active EE | $3,489 | $2,370+47.2% | $3,025+15.3% | $2,757+26.5% |
| Participant deferral / active EE | $8,318 | $4,121+101.8% | $5,056+64.5% | $4,300+93.4% |
| Admin fee / account holder | $9,950 | $8,048+23.6% | $9,460+5.2% | $6,925+43.7% |