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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 | $46,999 | $49,024-4.1% | $112,860-58.4% | $87,485-46.3% |
| Participation rate | 59.1% | 62.2%-3.0pp | 66.3%-7.2pp | 68.9%-9.8pp |
| Annual return | 20.68% | 43.86%-23.2pp | 35.26%-14.6pp | 26.06%-5.4pp |
| Employer contribution / active EE | $2,628 | $1,290+103.7% | $2,206+19.1% | $2,596+1.2% |
| Participant deferral / active EE | $4,015 | $2,209+81.8% | $3,493+14.9% | $4,274-6.0% |
| Admin fee / account holder | $1,245 | $6,266-80.1% | $6,841-81.8% | $7,775-84.0% |