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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 | $45,595 | $54,763-16.7% | $90,324-49.5% | $72,976-37.5% |
| Participation rate | 55.1% | 65.2%-10.1pp | 73.3%-18.2pp | 69.5%-14.4pp |
| Annual return | 22.01% | 30.63%-8.6pp | 78.15%-56.1pp | 81.02%-59.0pp |
| Employer contribution / active EE | $2,188 | $2,093+4.5% | $2,856-23.4% | $2,440-10.3% |
| Participant deferral / active EE | $4,685 | $2,887+62.3% | $3,885+20.6% | $3,608+29.9% |
| Admin fee / account holder | $7,602 | $3,973+91.3% | $5,356+41.9% | $5,124+48.3% |