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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 | $63,077 | $58,627+7.6% | $76,735-17.8% | $82,448-23.5% |
| Participation rate | 38.2% | 63.2%-25.0pp | 69.5%-31.3pp | 68.1%-29.9pp |
| Annual return | 15.79% | 39.10%-23.3pp | 29.77%-14.0pp | 41.64%-25.9pp |
| Employer contribution / active EE | $1,669 | $1,729-3.5% | $2,454-32.0% | $2,551-34.6% |
| Participant deferral / active EE | $3,926 | $3,134+25.3% | $4,088-4.0% | $4,139-5.1% |
| Admin fee / account holder | $5,486 | $5,323+3.1% | $7,189-23.7% | $7,234-24.2% |