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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 | $78,013-45.8% | $178,449-76.3% | $80,911-47.7% |
| Participation rate | 64.4% | 65.7%-1.3pp | 77.1%-12.7pp | 67.6%-3.3pp |
| Annual return | 17.81% | 18.07%-0.3pp | 27.09%-9.3pp | 35.63%-17.8pp |
| Employer contribution / active EE | $3,633 | $2,287+58.9% | $3,951-8.0% | $2,756+31.8% |
| Participant deferral / active EE | $4,529 | $4,408+2.8% | $6,277-27.8% | $4,297+5.4% |
| Admin fee / account holder | $7,928 | $7,166+10.6% | $10,362-23.5% | $6,935+14.3% |