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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 | $43,217 | $73,978-41.6% | $96,515-55.2% | $75,173-42.5% |
| Participation rate | 58.7% | 66.4%-7.7pp | 74.3%-15.7pp | 67.2%-8.5pp |
| Annual return | 18.40% | 26.72%-8.3pp | 35.73%-17.3pp | 160.72%-142.3pp |
| Employer contribution / active EE | $2,146 | $2,931-26.8% | $3,740-42.6% | $2,671-19.6% |
| Participant deferral / active EE | $4,532 | $3,660+23.8% | $4,880-7.1% | $4,126+9.8% |
| Admin fee / account holder | $4,397 | $5,219-15.7% | $6,735-34.7% | $5,651-22.2% |