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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 | $72,504 | $78,520-7.7% | $96,576-24.9% | $82,448-12.1% |
| Participation rate | 46.8% | 77.7%-30.9pp | 81.4%-34.6pp | 68.1%-21.2pp |
| Annual return | 17.62% | 41.30%-23.7pp | 38.47%-20.9pp | 41.64%-24.0pp |
| Employer contribution / active EE | $3,406 | $2,630+29.5% | $3,553-4.1% | $2,551+33.5% |
| Participant deferral / active EE | $7,962 | $6,754+17.9% | $7,956+0.1% | $4,139+92.4% |
| Admin fee / account holder | $13,821 | $13,455+2.7% | $11,381+21.4% | $7,234+91.1% |