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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 | $47,616 | $43,075+10.5% | $74,577-36.2% | $62,881-24.3% |
| Participation rate | 29.6% | 58.1%-28.4pp | 68.1%-38.5pp | 69.3%-39.7pp |
| Annual return | 9.77% | 17.50%-7.7pp | 20.47%-10.7pp | 20.14%-10.4pp |
| Employer contribution / active EE | $1,861 | $1,498+24.3% | $2,525-26.3% | $2,281-18.4% |
| Participant deferral / active EE | $3,874 | $2,389+62.1% | $3,458+12.0% | $3,203+20.9% |
| Admin fee / account holder | $4,469 | $2,840+57.4% | $4,138+8.0% | $4,296+4.0% |