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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 | $40,806 | $58,848-30.7% | $88,179-53.7% | $82,637-50.6% |
| Participation rate | 56.6% | 57.9%-1.3pp | 69.1%-12.5pp | 68.1%-11.5pp |
| Annual return | 17.37% | 22.76%-5.4pp | 64.97%-47.6pp | 53.51%-36.1pp |
| Employer contribution / active EE | $2,385 | $1,678+42.1% | $2,549-6.4% | $2,552-6.5% |
| Participant deferral / active EE | $3,919 | $3,124+25.5% | $4,614-15.1% | $4,126-5.0% |
| Admin fee / account holder | $4,855 | $4,795+1.2% | $7,673-36.7% | $7,339-33.9% |