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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 | $37,178 | $86,940-57.2% | $102,434-63.7% | $80,935-54.1% |
| Participation rate | 69.9% | 72.4%-2.5pp | 76.5%-6.6pp | 67.7%+2.2pp |
| Annual return | 14.38% | 18.89%-4.5pp | 29.46%-15.1pp | 35.66%-21.3pp |
| Employer contribution / active EE | $2,068 | $2,370-12.7% | $3,023-31.6% | $2,757-25.0% |
| Participant deferral / active EE | $4,893 | $4,121+18.7% | $5,055-3.2% | $4,299+13.8% |
| Admin fee / account holder | $5,968 | $8,047-25.8% | $9,462-36.9% | $6,924-13.8% |