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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 | $46,053 | $76,371-39.7% | $93,621-50.8% | $72,975-36.9% |
| Participation rate | 61.8% | 71.8%-10.0pp | 75.8%-14.1pp | 69.5%-7.7pp |
| Annual return | 23.01% | 25.82%-2.8pp | 32.76%-9.8pp | 81.01%-58.0pp |
| Employer contribution / active EE | $2,009 | $2,276-11.7% | $2,719-26.1% | $2,440-17.7% |
| Participant deferral / active EE | $4,602 | $3,538+30.1% | $4,070+13.1% | $3,608+27.6% |
| Admin fee / account holder | $766 | $6,839-88.8% | $7,890-90.3% | $5,124-85.0% |