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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 | $68,161 | $86,949-21.6% | $102,460-33.5% | $80,959-15.8% |
| Participation rate | 57.8% | 72.4%-14.6pp | 76.5%-18.7pp | 67.7%-9.9pp |
| Annual return | 12.77% | 18.89%-6.1pp | 29.47%-16.7pp | 35.67%-22.9pp |
| Employer contribution / active EE | $3,354 | $2,370+41.5% | $3,025+10.9% | $2,757+21.6% |
| Participant deferral / active EE | $5,778 | $4,121+40.2% | $5,056+14.3% | $4,300+34.4% |
| Admin fee / account holder | $33,123 | $8,048+311.6% | $9,460+250.1% | $6,925+378.3% |