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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 | $37,045 | $60,349-38.6% | $74,183-50.1% | $62,891-41.1% |
| Participation rate | 64.3% | 72.7%-8.4pp | 76.6%-12.3pp | 69.3%-5.0pp |
| Annual return | 6.87% | 21.37%-14.5pp | 17.74%-10.9pp | 20.14%-13.3pp |
| Employer contribution / active EE | $2,597 | $1,680+54.6% | $2,370+9.6% | $2,281+13.9% |
| Participant deferral / active EE | $5,507 | $2,856+92.8% | $3,550+55.1% | $3,203+71.9% |
| Admin fee / account holder | $3,847 | $4,261-9.7% | $5,586-31.1% | $4,296-10.5% |