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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 | $78,197-7.3% | $98,090-26.1% | $82,637-12.3% |
| Participation rate | 46.8% | 77.5%-30.6pp | 81.5%-34.7pp | 68.1%-21.2pp |
| Annual return | 17.62% | 40.25%-22.6pp | 37.05%-19.4pp | 53.51%-35.9pp |
| Employer contribution / active EE | $3,406 | $2,605+30.8% | $3,606-5.5% | $2,552+33.5% |
| Participant deferral / active EE | $7,962 | $6,636+20.0% | $7,845+1.5% | $4,126+93.0% |
| Admin fee / account holder | $13,821 | $14,832-6.8% | $11,815+17.0% | $7,339+88.3% |