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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 | $36,676 | $96,052-61.8% | $118,106-68.9% | $87,485-58.1% |
| Participation rate | 63.6% | 77.0%-13.4pp | 81.9%-18.2pp | 68.9%-5.3pp |
| Annual return | 24.42% | 24.16%+0.3pp | 19.44%+5.0pp | 26.06%-1.6pp |
| Employer contribution / active EE | $3,533 | $3,939-10.3% | $4,698-24.8% | $2,596+36.1% |
| Participant deferral / active EE | $6,844 | $5,793+18.1% | $6,619+3.4% | $4,274+60.2% |
| Admin fee / account holder | $7,553 | $7,618-0.8% | $8,973-15.8% | $7,775-2.8% |