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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 | $39,534 | $73,978-46.6% | $96,515-59.0% | $75,173-47.4% |
| Participation rate | 56.4% | 66.4%-10.0pp | 74.3%-18.0pp | 67.2%-10.8pp |
| Annual return | 25.86% | 26.72%-0.9pp | 35.73%-9.9pp | 160.72%-134.9pp |
| Employer contribution / active EE | $3,524 | $2,931+20.3% | $3,740-5.8% | $2,671+32.0% |
| Participant deferral / active EE | $6,984 | $3,660+90.8% | $4,880+43.1% | $4,126+69.3% |
| Admin fee / account holder | $1,068 | $5,219-79.5% | $6,735-84.2% | $5,651-81.1% |