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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 | $59,038 | $56,894+3.8% | $84,753-30.3% | $62,881-6.1% |
| Participation rate | 64.7% | 68.5%-3.8pp | 76.6%-11.9pp | 69.3%-4.6pp |
| Annual return | 5.72% | 6.30%-0.6pp | 22.78%-17.1pp | 20.14%-14.4pp |
| Employer contribution / active EE | $5,122 | $2,400+113.4% | $3,574+43.3% | $2,281+124.5% |
| Participant deferral / active EE | $2,602 | $2,709-4.0% | $3,712-29.9% | $3,203-18.8% |
| Admin fee / account holder | $526 | $3,581-85.3% | $5,333-90.1% | $4,296-87.8% |