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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 | $58,479 | $48,364+20.9% | $71,796-18.5% | $62,881-7.0% |
| Participation rate | 68.8% | 60.6%+8.2pp | 69.1%-0.3pp | 69.3%-0.5pp |
| Annual return | 6.35% | 13.16%-6.8pp | 78.04%-71.7pp | 20.14%-13.8pp |
| Employer contribution / active EE | $961 | $1,042-7.8% | $1,924-50.1% | $2,281-57.9% |
| Participant deferral / active EE | $3,025 | $2,091+44.6% | $2,794+8.3% | $3,203-5.6% |
| Admin fee / account holder | $4,613 | $3,771+22.3% | $4,815-4.2% | $4,296+7.4% |