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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 | $46,826 | $76,371-38.7% | $93,621-50.0% | $72,976-35.8% |
| Participation rate | 64.0% | 71.8%-7.8pp | 75.8%-11.8pp | 69.5%-5.5pp |
| Annual return | 23.04% | 25.82%-2.8pp | 32.76%-9.7pp | 81.02%-58.0pp |
| Employer contribution / active EE | $3,237 | $2,276+42.2% | $2,719+19.1% | $2,440+32.7% |
| Participant deferral / active EE | $6,037 | $3,538+70.6% | $4,070+48.4% | $3,608+67.3% |
| Admin fee / account holder | $7,061 | $6,839+3.2% | $7,890-10.5% | $5,124+37.8% |