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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 | $57,911 | $52,682+9.9% | $78,004-25.8% | $64,097-9.7% |
| Participation rate | 36.8% | 47.7%-10.9pp | 69.4%-32.6pp | 55.2%-18.4pp |
| Annual return | 15.29% | 22.45%-7.2pp | 31.07%-15.8pp | 34.64%-19.4pp |
| Employer contribution / active EE | $1,241 | $1,323-6.2% | $2,469-49.7% | $1,891-34.4% |
| Participant deferral / active EE | $2,655 | $2,346+13.2% | $4,092-35.1% | $3,080-13.8% |
| Admin fee / account holder | $3,717 | $5,420-31.4% | $7,578-50.9% | $3,454+7.6% |