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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 | $30,188 | $59,535-49.3% | $90,161-66.5% | $62,293-51.5% |
| Participation rate | 63.2% | 73.0%-9.8pp | 76.9%-13.7pp | 69.5%-6.3pp |
| Annual return | 37.75% | 23.53%+14.2pp | 34.89%+2.9pp | 28.90%+8.8pp |
| Employer contribution / active EE | $2,556 | $1,826+40.0% | $3,318-23.0% | $2,042+25.1% |
| Participant deferral / active EE | $4,370 | $4,639-5.8% | $5,287-17.3% | $3,169+37.9% |
| Admin fee / account holder | $674 | $337+100.2% | $5,943-88.7% | $479+40.6% |