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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 | $64,648 | $92,041-29.8% | $299,830-78.4% | $94,015-31.2% |
| Participation rate | 42.9% | 71.4%-28.6pp | 78.5%-35.7pp | 70.8%-28.0pp |
| Annual return | 19.74% | 15.24%+4.5pp | 10.58%+9.2pp | 17.84%+1.9pp |
| Employer contribution / active EE | $2,639 | $2,506+5.3% | $5,842-54.8% | $2,790-5.4% |
| Participant deferral / active EE | $3,565 | $4,287-16.8% | $7,038-49.3% | $4,249-16.1% |
| Admin fee / account holder | $10,497 | $8,997+16.7% | $50,982-79.4% | $8,951+17.3% |