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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 | $66,630 | $108,825-38.8% | $156,181-57.3% | $82,448-19.2% |
| Participation rate | 48.1% | 72.4%-24.2pp | 78.8%-30.7pp | 68.1%-19.9pp |
| Annual return | 19.24% | 20.59%-1.3pp | 64.87%-45.6pp | 41.64%-22.4pp |
| Employer contribution / active EE | $3,325 | $2,870+15.9% | $4,294-22.6% | $2,551+30.3% |
| Participant deferral / active EE | $4,920 | $4,577+7.5% | $6,132-19.8% | $4,139+18.9% |
| Admin fee / account holder | $9,716 | $9,341+4.0% | $14,586-33.4% | $7,234+34.3% |