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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 | $35,447 | $161,352-78.0% | $134,172-73.6% | $137,256-74.2% |
| Participation rate | 62.5% | 78.3%-15.8pp | 72.5%-10.0pp | 80.0%-17.5pp |
| Annual return | 21.36% | 28.72%-7.4pp | 25.30%-3.9pp | 220.34%-199.0pp |
| Employer contribution / active EE | $3,767 | $4,099-8.1% | $3,420+10.1% | $4,156-9.4% |
| Participant deferral / active EE | $5,730 | $5,552+3.2% | $4,690+22.2% | $6,407-10.6% |
| Admin fee / account holder | $13,899 | $15,028-7.5% | $12,016+15.7% | $12,270+13.3% |