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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 | $37,323 | $38,969-4.2% | $109,313-65.9% | $55,167-32.3% |
| Participation rate | 66.7% | 58.2%+8.4pp | 71.3%-4.6pp | 69.0%-2.3pp |
| Annual return | 12.75% | 8.26%+4.5pp | 22.07%-9.3pp | 169.23%-156.5pp |
| Employer contribution / active EE | $2,568 | $1,227+109.3% | $3,892-34.0% | $1,963+30.8% |
| Participant deferral / active EE | $5,072 | $2,176+133.1% | $3,166+60.2% | $3,054+66.1% |
| Admin fee / account holder | $451 | $501-9.9% | $5,666-92.0% | $504-10.4% |