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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 | $25,641 | $81,504-68.5% | $102,437-75.0% | $80,959-68.3% |
| Participation rate | 56.0% | 66.9%-10.9pp | 74.5%-18.5pp | 67.7%-11.7pp |
| Annual return | 15.88% | 25.60%-9.7pp | 24.95%-9.1pp | 35.67%-19.8pp |
| Employer contribution / active EE | $2,777 | $3,104-10.5% | $3,871-28.2% | $2,757+0.7% |
| Participant deferral / active EE | $4,090 | $3,871+5.7% | $5,060-19.2% | $4,300-4.9% |
| Admin fee / account holder | $7,235 | $6,719+7.7% | $8,388-13.7% | $6,925+4.5% |