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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 | $45,831 | $76,551-40.1% | $123,894-63.0% | $62,881-27.1% |
| Participation rate | 59.7% | 73.0%-13.3pp | 81.4%-21.7pp | 69.3%-9.6pp |
| Annual return | 14.96% | 18.68%-3.7pp | 47.52%-32.6pp | 20.14%-5.2pp |
| Employer contribution / active EE | $3,618 | $2,882+25.5% | $4,617-21.6% | $2,281+58.6% |
| Participant deferral / active EE | $7,027 | $4,840+45.2% | $5,984+17.4% | $3,203+119.4% |
| Admin fee / account holder | $3,371 | $4,826-30.2% | $8,357-59.7% | $4,296-21.5% |