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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 | $42,389 | $86,938-51.2% | $102,423-58.6% | $80,925-47.6% |
| Participation rate | 61.5% | 72.4%-10.8pp | 76.5%-15.0pp | 67.7%-6.1pp |
| Annual return | 16.19% | 18.89%-2.7pp | 29.42%-13.2pp | 35.65%-19.5pp |
| Employer contribution / active EE | $2,907 | $2,369+22.7% | $3,023-3.8% | $2,756+5.5% |
| Participant deferral / active EE | $5,044 | $4,120+22.4% | $5,054-0.2% | $4,299+17.3% |
| Admin fee / account holder | $437 | $8,053-94.6% | $9,455-95.4% | $6,940-93.7% |