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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 | $39,346 | $36,767+7.0% | $81,473-51.7% | $62,293-36.8% |
| Participation rate | 68.9% | 54.4%+14.5pp | 68.0%+1.0pp | 69.5%-0.6pp |
| Annual return | 20.92% | 173.80%-152.9pp | 38.78%-17.9pp | 28.90%-8.0pp |
| Employer contribution / active EE | $1,915 | $1,128+69.7% | $2,568-25.4% | $2,042-6.2% |
| Participant deferral / active EE | $3,399 | $2,111+61.0% | $3,537-3.9% | $3,169+7.2% |
| Admin fee / account holder | $1,512 | $797+89.7% | $4,561-66.9% | $479+215.4% |