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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 | $45,805 | $56,287-18.6% | $80,977-43.4% | $62,881-27.2% |
| Participation rate | 61.8% | 68.9%-7.2pp | 75.8%-14.0pp | 69.3%-7.5pp |
| Annual return | 7.18% | 22.13%-14.9pp | 17.11%-9.9pp | 20.14%-13.0pp |
| Employer contribution / active EE | $2,218 | $1,943+14.1% | $3,715-40.3% | $2,281-2.8% |
| Participant deferral / active EE | $4,614 | $4,196+10.0% | $5,696-19.0% | $3,203+44.0% |
| Admin fee / account holder | $1,042 | $3,742-72.2% | $5,517-81.1% | $4,296-75.8% |