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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 | $45,927 | $59,440-22.7% | $78,004-41.1% | $82,637-44.4% |
| Participation rate | 65.9% | 62.8%+3.0pp | 69.4%-3.6pp | 68.1%-2.2pp |
| Annual return | 13.38% | 40.24%-26.9pp | 31.07%-17.7pp | 53.51%-40.1pp |
| Employer contribution / active EE | $1,362 | $1,750-22.2% | $2,469-44.8% | $2,552-46.6% |
| Participant deferral / active EE | $4,846 | $3,138+54.4% | $4,092+18.4% | $4,126+17.4% |
| Admin fee / account holder | $15,503 | $5,504+181.7% | $7,578+104.6% | $7,339+111.2% |