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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 | $32,373 | $25,014+29.4% | $69,632-53.5% | $80,959-60.0% |
| Participation rate | 69.0% | 64.2%+4.8pp | 66.4%+2.6pp | 67.7%+1.3pp |
| Annual return | 16.32% | 19.08%-2.8pp | 101.32%-85.0pp | 35.67%-19.4pp |
| Employer contribution / active EE | $3,042 | $991+206.9% | $1,708+78.0% | $2,757+10.3% |
| Participant deferral / active EE | $4,768 | $1,840+159.2% | $2,889+65.1% | $4,300+10.9% |
| Admin fee / account holder | $2,357 | $2,491-5.4% | $4,695-49.8% | $6,925-66.0% |