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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 | $48,566 | $95,404-49.1% | $113,397-57.2% | $82,637-41.2% |
| Participation rate | 66.7% | 72.8%-6.2pp | 76.5%-9.8pp | 68.1%-1.4pp |
| Annual return | 19.47% | 19.08%+0.4pp | 23.20%-3.7pp | 53.51%-34.0pp |
| Employer contribution / active EE | $2,975 | $2,307+29.0% | $2,977-0.1% | $2,552+16.6% |
| Participant deferral / active EE | $5,274 | $4,220+25.0% | $5,076+3.9% | $4,126+27.8% |
| Admin fee / account holder | $4,087 | $9,168-55.4% | $11,957-65.8% | $7,339-44.3% |