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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 | $59,652 | $58,493+2.0% | $84,021-29.0% | $72,975-18.3% |
| Participation rate | 37.5% | 61.2%-23.7pp | 69.0%-31.5pp | 69.5%-32.0pp |
| Annual return | 24.15% | 28.93%-4.8pp | 71.32%-47.2pp | 81.01%-56.9pp |
| Employer contribution / active EE | $1,477 | $1,163+27.0% | $1,984-25.6% | $2,440-39.5% |
| Participant deferral / active EE | $3,140 | $2,394+31.2% | $3,239-3.1% | $3,608-13.0% |
| Admin fee / account holder | $12,496 | $4,569+173.5% | $6,102+104.8% | $5,124+143.9% |