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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 | $42,971 | $73,978-41.9% | $96,515-55.5% | $75,173-42.8% |
| Participation rate | 60.0% | 66.4%-6.4pp | 74.3%-14.3pp | 67.2%-7.2pp |
| Annual return | 22.45% | 26.72%-4.3pp | 35.73%-13.3pp | 160.72%-138.3pp |
| Employer contribution / active EE | $3,303 | $2,931+12.7% | $3,740-11.7% | $2,671+23.7% |
| Participant deferral / active EE | $4,891 | $3,660+33.6% | $4,880+0.2% | $4,126+18.5% |
| Admin fee / account holder | $3,304 | $5,219-36.7% | $6,735-50.9% | $5,651-41.5% |