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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 | $50,346 | $106,749-52.8% | $145,433-65.4% | $82,448-38.9% |
| Participation rate | 64.9% | 75.6%-10.8pp | 82.1%-17.3pp | 68.1%-3.2pp |
| Annual return | 16.27% | 27.59%-11.3pp | 66.58%-50.3pp | 41.64%-25.4pp |
| Employer contribution / active EE | $4,296 | $3,444+24.7% | $4,554-5.7% | $2,551+68.4% |
| Participant deferral / active EE | $10,038 | $6,519+54.0% | $7,897+27.1% | $4,139+142.5% |
| Admin fee / account holder | $17,134 | $8,390+104.2% | $13,129+30.5% | $7,234+136.8% |