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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 | $69,164 | $78,520-11.9% | $96,576-28.4% | $82,448-16.1% |
| Participation rate | 57.9% | 77.7%-19.8pp | 81.4%-23.5pp | 68.1%-10.2pp |
| Annual return | 36.91% | 41.30%-4.4pp | 38.47%-1.6pp | 41.64%-4.7pp |
| Employer contribution / active EE | $2,750 | $2,630+4.6% | $3,553-22.6% | $2,551+7.8% |
| Participant deferral / active EE | $7,062 | $6,754+4.6% | $7,956-11.2% | $4,139+70.6% |
| Admin fee / account holder | $3,864 | $13,455-71.3% | $11,381-66.0% | $7,234-46.6% |