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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 | $39,592 | $80,705-50.9% | $115,768-65.8% | $67,986-41.8% |
| Participation rate | 57.6% | 63.0%-5.4pp | 74.4%-16.8pp | 57.2%+0.4pp |
| Annual return | 19.96% | 18.49%+1.5pp | 100.46%-80.5pp | 31.67%-11.7pp |
| Employer contribution / active EE | $3,047 | $2,046+48.9% | $2,940+3.6% | $2,019+50.9% |
| Participant deferral / active EE | $4,311 | $3,559+21.1% | $4,917-12.3% | $3,358+28.4% |
| Admin fee / account holder | $4,124 | $4,135-0.3% | $12,439-66.8% | $3,203+28.8% |