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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 | $42,292 | $78,027-45.8% | $178,528-76.3% | $80,925-47.7% |
| Participation rate | 64.4% | 65.7%-1.3pp | 77.1%-12.7pp | 67.7%-3.3pp |
| Annual return | 17.81% | 18.09%-0.3pp | 27.11%-9.3pp | 35.65%-17.8pp |
| Employer contribution / active EE | $3,633 | $2,281+59.3% | $3,950-8.0% | $2,756+31.8% |
| Participant deferral / active EE | $4,529 | $4,408+2.8% | $6,278-27.9% | $4,299+5.4% |
| Admin fee / account holder | $7,928 | $7,168+10.6% | $10,419-23.9% | $6,940+14.2% |