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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 | $41,089 | $77,472-47.0% | $100,415-59.1% | $80,959-49.2% |
| Participation rate | 59.3% | 76.9%-17.7pp | 81.5%-22.3pp | 67.7%-8.4pp |
| Annual return | 22.43% | 37.26%-14.8pp | 49.47%-27.0pp | 35.67%-13.2pp |
| Employer contribution / active EE | $3,586 | $2,800+28.0% | $3,943-9.1% | $2,757+30.0% |
| Participant deferral / active EE | $8,289 | $6,818+21.6% | $8,091+2.4% | $4,300+92.8% |
| Admin fee / account holder | $5,480 | $5,885-6.9% | $7,906-30.7% | $6,925-20.9% |