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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 | $51,534 | $95,453-46.0% | $112,040-54.0% | $82,448-37.5% |
| Participation rate | 69.4% | 72.8%-3.3pp | 76.5%-7.0pp | 68.1%+1.4pp |
| Annual return | 18.55% | 23.92%-5.4pp | 24.52%-6.0pp | 41.64%-23.1pp |
| Employer contribution / active EE | $2,883 | $2,318+24.4% | $2,954-2.4% | $2,551+13.0% |
| Participant deferral / active EE | $5,576 | $4,224+32.0% | $5,098+9.4% | $4,139+34.7% |
| Admin fee / account holder | $5,458 | $9,013-39.5% | $12,098-54.9% | $7,234-24.6% |