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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 | $39,574 | $86,949-54.5% | $102,460-61.4% | $80,959-51.1% |
| Participation rate | 64.5% | 72.4%-7.9pp | 76.5%-12.0pp | 67.7%-3.2pp |
| Annual return | 13.82% | 18.89%-5.1pp | 29.47%-15.6pp | 35.67%-21.8pp |
| Employer contribution / active EE | $3,363 | $2,370+41.9% | $3,025+11.2% | $2,757+22.0% |
| Participant deferral / active EE | $6,234 | $4,121+51.3% | $5,056+23.3% | $4,300+45.0% |
| Admin fee / account holder | $2,061 | $8,048-74.4% | $9,460-78.2% | $6,925-70.2% |