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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 | $42,792 | $48,267-11.3% | $68,808-37.8% | $68,486-37.5% |
| Participation rate | 65.4% | 60.7%+4.7pp | 69.0%-3.6pp | 67.9%-2.5pp |
| Annual return | 8.66% | -12.70%+21.4pp | -6.37%+15.0pp | -7.85%+16.5pp |
| Employer contribution / active EE | $3,087 | $1,829+68.8% | $2,656+16.2% | $2,597+18.9% |
| Participant deferral / active EE | $4,749 | $2,867+65.6% | $3,942+20.5% | $4,028+17.9% |
| Admin fee / account holder | $1,694 | $4,362-61.2% | $4,936-65.7% | $5,404-68.7% |