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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 | $41,883 | $93,589-55.2% | $135,942-69.2% | $75,181-44.3% |
| Participation rate | 68.0% | 75.2%-7.2pp | 81.9%-13.9pp | 67.2%+0.8pp |
| Annual return | 23.07% | 30.90%-7.8pp | 68.28%-45.2pp | 160.69%-137.6pp |
| Employer contribution / active EE | $4,035 | $3,537+14.1% | $4,858-16.9% | $2,671+51.1% |
| Participant deferral / active EE | $5,364 | $6,405-16.3% | $7,759-30.9% | $4,126+30.0% |
| Admin fee / account holder | $2,423 | $6,977-65.3% | $10,764-77.5% | $5,650-57.1% |