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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 | $38,378 | $56,287-31.8% | $80,977-52.6% | $62,881-39.0% |
| Participation rate | 69.4% | 68.9%+0.5pp | 75.8%-6.4pp | 69.3%+0.1pp |
| Annual return | 7.52% | 22.13%-14.6pp | 17.11%-9.6pp | 20.14%-12.6pp |
| Employer contribution / active EE | $2,010 | $1,943+3.4% | $3,715-45.9% | $2,281-11.9% |
| Participant deferral / active EE | $3,541 | $4,196-15.6% | $5,696-37.8% | $3,203+10.6% |
| Admin fee / account holder | $3,877 | $3,742+3.6% | $5,517-29.7% | $4,296-9.7% |